Lets see if I can give you some things to consider here..
I have recently brought back to life a 20+ year old saddle, and I had the same thinking at least as you are going through. Mine was at the very beginning of some form of minor age damage, or at least small surface cracking, and the first thing I did was to vacuum it entirely (it was left in a barn) quick-wipe and dry (a little water) then glycerin soap a few times. After I was sure it was completely dry, I then acquired "natural neatsfoot oil"..this opposed to anything synthetic,or mixed with natural, etc...THIS IS IMPORTANT as anything but animal-based natural neatsfoot will ruin stitching, and TOO MUCH neatsfoot of any sort will over soften the whole deal...too much of anything here is bad, too much of non-natural is worse. A quicker way (and many say much better) than scouring the countyside for natural neatsfoot is "olive oil" I haven't yet done it but, I know many people that will never again go to anything else such as neatsfoot for oiling and softening. Finally, if all components are in good order (stirrup mount bars, tree and it's components, stitching in general, girth/cinch straps and the associated mounting of them, or any obvious cracking, rips, etc..) then I have to wonder if you are overtly concerned about nothing.
Under normal wear and tear, simple quick wipe down, weekly inspection of leather and weight-bearing parts, and only soaping when it's really dirty beyond light wipe and dry, should be well enough. Oiling of any sort should be reserved for maybe once a year, once every other year, less or more dependent on temp, enviroment, etc..
I would at this point retreat from all oiling, soaping and make entirely sure that all is very dry (very soft cloths, and use as many as needed) to take-up any residual treatments you have given. Then inspect all parts to ensure that all is tight, clean, dry, and above all safe and sound. Maybe you can keep your saddle indoors (mine is allways with me in my office) out of temp and humidity extremes, and use a saddle carry bag when you are transporting back and forth. I also keep clean cotton cloth with my tack for after-ride wipe down, this includes at the end the normal gook clean-off from my stirrups before I stow away my saddle for the day. Do hope this helped.