Keep watching Ebay
I just got a 14" Collegiate that was brand new, but waterstained on the seat for $200 without accessories. It was a buy it now price and the bidding was only at $150, but I felt it was a good price at $200 and was sick of tracking auctions that I'd forget to check back on. If you have time, keep a watchful eye on Ebay.
Finally with two horses of our own.