I'm really a big advocate of buying something nicer that is used. The craftmanship, fit for you & the horse, and leather is just much better on the high end saddles. They will last forever, so if someone cared for it well, it is definitely worth it. Also, you won't have to break it in!
Go to a local tack store and measure yourself to see what seat fits you best. The average adult female is normally at 17". The most important thing is that it fits your horse, not just in width but also make sure it doesn't sit too high or too low.
Try the saddle on your horse and if you can ride in it. The stirrup leathers should hang naturally under your leg. One problem with the wintec/bates/collegiate line is that the stirrup bar is a bit forward than most other saddles. They have a tendency to throw you into a chair seat. I am saying this because I have owned all 3 from this brand and ride in them often. I still have my bates because I need it to fit different horses coming in & out of training, but constantly struggle to keep my leg in place as I ride.
I recommend buying the HDR or Dover's Circuit Brand for saddles on a budget. You can often find them used too since they are pretty popular models. The saddle tree on these saddles are built much more like the higher-end ones (Beval, CWD, Black Country, etc) so you will be more balanced and correct. The reason they are cheaper is because the leather quality isn't as good and they don't have the name behind them. But still a very good saddle. Pessoa's are pretty good for a medium-high end brand as well, and you can find a lot of them used. If you can find a used one in good shape from when they were still made in France - get it! The new ones aren't nearly as good of quality and stay away from their new gullet system!