Went back and read everything and I see that you as well as others have mentioned saddle size....it has nothing to do with how skinny you are. It goes by leg size, you have very long legs so you need a long saddle. Being skinny like you are a narrow twist is right for you, but that has nothing to do with length only width. I completely understand $, I finally just bought a new saddle this year although I've needed it for some time. Is there one you could borrow? Or look into a used one? I bought a wintec because I needed it and theyre cheap, plain and simple. There are two things that tell me saddle is too small. 1) your seat is too far back in the saddle yet your knee is in the right place so once your sink your seat down into the saddle where its supposed to be your knee will be too far forward. Yes you can lengthen your stirrup which leads me into reason 2) the saddle flap should be at mid-calf. Again your already scrunched into the saddle, once you get your proper seat and most likely end up lengthening your stirrup for proper leg angles your saddle flap will only be at your knee because its already not coming down far enough. Now I read that you said it fits your horse, which is most important, fitting rider comes after if possible. So no its not TERRIBLE that your saddle doesnt fit you, but I think that it will make things more difficult for you as far as riding posture until you find one that does fit you properly, as well as him. Yes youll survive with your current saddle and be able to ride and work fine, I don't want to sound like you have to go buy one NOW, but this saddle is too small and could be inhibiting you to a degree. Id look into some saddle options as soon as you can.