I agree it's wise to buy the best you can afford. Even if it's plain looking, you can always add the bling. Check out ebay
for conchos or Tandy leather factory. I have a saddle that came plain with just screws. It's a very well made saddle but the fancy conchos cost extra. When I could afford it, I bought conchos and replaced all the screws. Now it looks very flashy. Be creative and add your own bling. Take some plain leather reins and make them special and personal.