Stock saddles are fantastic.
There are a lot of cheap ones made in asia and india on the market though, if you do want an extremely comfortable and safe saddle, DON'T go for the cheap option. Good australian or english leather is best. There are many different styles, the traditional is the closest to the english style, but you can also buy a fender model which has a large flap as the stirrup leather and no actual side flap thing. The good quality saddles are made with campdrafting, polocrosse and working horses in mind, so are excellent at promoting a secure and comfortable seat to enable the rider to ride all day. They promote a deep seat with the weight a bit further back than an english saddle, to allow the rider to sit to fast haunch turns and stops, but are still very suitable for english style riding. For a young horse they are excellent, comfortable and yet secure in case of the unexpected!
I say go for it :]