It doesn't come in a saddle package, I already was quite weary of that.
You bring up a good point, why not just use the western saddles if you're just pleasure riding? I will have a look at them :)
As for vet costs, yes I will try to buy some of the smaller things myself if possible (girth, martingale, buckets, hay nets, salt licks etc) and in other threads I mentioned we will probably get a discount- my cousins fiancÚ is a horse specialized vet and trainer, and he is a large animal vet.
I am setting up a reserve fund as of now, and since I am also jobless, I will have to look for one to get some extra bucks in. At least the board money from the boarder will cover the cost of hay, and a small fraction of other things.