Are there ever tack swaps in your area? You might be able to find a nicer used saddle at one?
For just starting in english and 4H, there is nothing wrong with purchasing one of those package deals as long as you know you will likely be replacing it in a few years if you continue to Pursue english.
Fit will definitely be the most important factor for you, so pay close attention to that.
I know a lot of people aren't big into synthetics, but the girl who leases my gelding has a wintec that works great for her. Wintec has the exchangeable gullet system so you can adjust the size to your horse. Wintec can be fairly affordable, and can come with leathers and irons. When you make your order, you can just get your girth and bridle from the same company to save on shipping - then you could pick the bridle you like and a girth that fits.
I agree you might want to check out ebay
- there are sometimes some good packages there.
If you know you are going to continue with english, you might try waiting for a while to get better quality or buy used...I bought a cheaper ($500) western saddle, girth, bridle, breast plate package a couple of years ago. It had really crummy leather and silver. When I decided I would continue showing, I purchased a much better quality saddle. I don't regret doing that though because I have a cute saddle my 4H kids can borrow for shows, and I didn't put $2000 into a saddle before I knew just what I wanted (my new saddle has very little silver because I found I didn't like cleaning it) :)