Well, what is your price range fi you don't mind me asking? If you want a decent cheap saddle, I have heard that the synthetic 'Ammo' saddle is fairly good. I think its about $800, and gives you a centered seat. It has fender type stirrups. It is designed by Steve Jeffreys I think, and is the same as his leather 'Ammo', which goes for considerably more money.
I would caution you. DO NOT buy one of the cheap leather ‘marshall poley’ saddles, or the ‘kimberley poley’ saddles. They are cheap and nasty, are difficult to fit to horses and people alike, and from my experience really don’t offer you much security. Plus, resale value is NIL. My friend can’t sell hers for $60.
Now if you want a nice leather stock saddle, there are many out there, but they are a bit more pricey. You can get a second hand Syd Hill (a reputable brand) for anywhere in the mid $1000’s up to the $2000 range. The Bates Kimberley stock saddles are nice, and they are handy because they have the easy change gullet system. New, the saddles are about $2,200. They make a fender and a full skirt model. I am actually going to be selling my Bates Kimberley Swinging fender shortly, for about $1800. Your in Canberra as well, so if you’re interested let me know. Not sure what your price range is. It’s about a year old. I found it to be a great saddle, gives you an amazingly secure seat. The fenders give you decent leg mobility, and I find also add to the security, as they ‘hug’ your lower leg and make it hard to lose a stirrup. The easy change gullet system is handy as usual, and I have used a few different gullets in it.
Fender vs. Full skirt… Really its personal preference. I really liked my swinging fender, I’m only selling it as I am buying a new, full skirt hand sewn drafter stock saddle. It will be better suited to when I show my ASH. Fenders aren’t allowed in some ASH classes. If your buying the saddle for extra security, I don’t think you can go past the fender. Like I said, it hugs your lower leg and moves as your leg moves. Fenders can be hung from the tree of the saddle itself, or from a stirrup bar. Different models hang the fenders from different positions, creating different leg positions. You can get fenders that put you in more of a traditional English seat, legs under you, or a fender that puts you in the more traditional stockmans seat, legs in front a bit and seat further back. The full skirt model has stirrups hung from a stirrup bar, exactly the same as an English saddle. Fender stirrups are very fiddly to change the length of, but once changed the buckles can’t rub. Fenders are also harder to replace. The normal stirrups and leathers on a full skirt are easier to change and also easier to replace.
Let me know if you want to know anything else!