I'll add some more big NO NO NO's on Kincade saddles.
A friend of mine was at Findlay and she was in a program where each student got a young horse, broke and trained it, and eventually sold it for a fund raiser. If you're going this route, you may want an adjustable gullet saddle to adjust with your horse's growth. Bates' are good and I believe there is a Collegiate "Convertible" now too. I personally don't like Wintecs. If you'll be riding a variety of horses, you may want an adjustable gullet as well. Heck, just win at IHSA Nationals and you'll win a Collegiate saddle!
Another brand that I've come to like are the older Pessoa A/Os. The ones with "NPessoa" script on the flap, not just "Pessoa." These were made in Europe and not Argentina like today's Pessoas. And I've always been a fan of Crosbys and Stubbens.
I use my close contact saddles for everything...pleasure, trail, show, jumping, flat, broomstick-polo...