HM, riding is expensive. Horses are stoic animals and we as humans with the power of forethought are trusted to do what is best for them.
99.999999999% of the time, cheapie saddles will not fit and aren't in the horse's best interest. I bet dollars to donuts that the saddle doesn't fit (needing a riser pad indicates that, and makes me wince - that rotates the saddle and changes pressure points) and hasn't fit any horse correctly.
There are decent brands of saddles for sale for a few hundred dollars. They may not look the best but they will be a ton better for the horse. Older Pessoas, Stubbens, and Crosbys may have a lower price tag, if you look.
OP, thank you for coming to your senses - haha.
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