I would get a saddle fitter out !
I was having so much trouble fitting my mare, and the saddle fitter came out and tried about 10 or more saddles on her. Turns out she is physically shaped to fit a medium tree, but she prefers a narrow tree. Who knew ? She's been back 4 times since I got my new saddle to check it and gypsy is still happy as a clam. Not only are horses different shapes, but they have different preferences.
I certainly would be concerned to have a saddle that close to the wither. You should have a least 2 fingers between the saddle and the wither with a tight girth and a rider in the saddle.
Ps- gypsy has been getting a small rub where the back of the saddle pad is. It didnt happen with her summer coat, just her really long thick winter hair. Im not too worried !
Gypsy & Scout <3Everybody is a genius. But if you judge a fish by its ability to climb a tree it will live its whole life believing that it is stupid. ~Albert Einstein