Sorry for the double post. IMO, If you want to add color and bling do it with the saddle pad, breast collar, and bridle. There are LOTS of pretties out there. You could even ride with rythm beads around the horse's neck if it will let you. There's ear bonnets, and browbands made of ribbon and sparklies, Pretty reins with embelishments on them etc, etc.
I just prefer to not monkey with the saddle itself.
Be strong and courageous, and do the work. Don't be afraid or discouraged by the size of the task, for the Lord God, my God, is with you. He will not fail you or forsake you.
1 Chronicles 28:20