I'm surprised you could remove the saddle from the premises without paying for it. Usually if it's returned money is refunded as long as it's within a day or two and is in the same condition as when it left.
Sorry Saddlebag, I meant to mention this in my above post.
Not sure where in Ontario you are...and I don't need to know...but Bahr's Saddlery in Halton does let people do test rides in their saddles. It does require a safety deposit. Link to their page of the saddle policy thing:
Not sure if Brubachers Harness in Wallenstein does it, but it is possible that they do.