Sahara, I understand your issue with ebay, I really do. The problem is, in my area, there aren't many tack shops. Buying sight unseen is buying sight unseen...that is from either ebay or a saddleshop online. I've gotten some great deals on ebay and usually sell my saddles on there also. When starting out with a low budget, it is good to check ebay first and see what the market looks like for that particular saddle.
Under $300 you can get some decent used saddles. Most of the saddles on the two sites you posted are upwards of $500. They are nice saddles but if you are just looking for a decent, well made saddle, you don't need a CircleY or similar.
I love bighorn saddles. I've announced my love for them forever. They are comfortable, long lasting and affordable. Textans work well for a wider horse. I have ridden many a simco and love them also. The leather quality on all of those saddles is great and while they wont all win you any prizes for looks, they do the job.