OP, I get it, you feel like people are ragging on you and that puts your hackles up and makes you feel the need to defend yourself.
You have to understand though, when we see something wrong, we have to mention it because we are all horse lovers and we have the best interest of the horse in mind...always. Some of us are more blunt than others and can sometimes come across as rude, especially if we're telling someone something that they don't want to hear but that doesn't mean that we're purposefully trying to degrade you.
He's too thin to be ridden and that saddle doesn't fit even a little bit. It probably wouldn't fit him in ideal condition because he's likely to the type to be leaner and taller where your saddle appears to be sized for a bulldog type horse, broad and heavy and round.
Horses are very stoic creatures. They evolved to not show pain because showing pain or weakness means that you end up dinner. You have to learn to spot the more subtle signs of discomfort/pain...like the widened eyes, the drawn nostrils, the clamped lips; all of which are present in that picture of him under saddle.
I also wanted to mention that, regardless of how long you've been around horses, there is always more to learn. You're still very young and you have a lot to learn. There are some exceptionally knowledgeable members here that you would do well to humble yourself a bit and learn from them.
I'm sure your horses would appreciate it too.