My understanding of a tree-less saddle is the tree is only under the very front of the saddle.
I would think that depending upon the weight of the rider, how heavy and pushing the seat of the rider on the spine and much to do with the land terrain should also be taken into consideration.
Most importantly though should be the horses anatomy and ability to be fitted properly and ride comfortably in this type of saddle for the horse
I think the tooling is very pretty but do wonder if the smooth leather would be more comfortable under the inner thigh, calf.
However, stirrups are easy to turn and "block" in that position.
I also like the "pocket" look of the tooled saddle both for lower back support and security feeling.
The saddle skirt is also shorter on the tooled saddle as it is a single, not double...hence shorter in length and able to fit a wider variety of horses back/spine length.
Me... I would
buy the traditional tree and the "tooled" saddle regardless of it being stamped or hand-tooled.
a fancier saddle and I personally think people would be more interested in buying a "fancy" appearing saddle over a "plain-jane"... if you needed to re-sell. Near everything I have read in peoples comments on many forums and online places is the older saddles are so much better quality and craftsmanship than the "new" ones
Happy Shopping and Good Luck making a decision on where to spend your money...