Buy a top quality saddle with a rawhide covered wooden tree. The wood is chosen for it's strength and a bit of flexibility. The rawhide protects it the wood from high humidity, bugs, low humidity, etc. A top notch saddle will work with a variety of horses. I have one that was used on a 16.1hh mutton withered 1300lb horse or an 800 lb low withered arab that stood 14.2. As for the adjustable, I'd like to see it on the market for a good 5 years before putting out $5000. That money would buy you a might fine custom saddle and then some.
Last edited by Saddlebag; 05-22-2013 at 09:14 PM.