Exactly Dustbunny! Find a local consignment store (the used tack tends to be cheaper than brand new) and make sure they have a "try before you buy" program.
No kidding, most of us have been through at least 5 saddles before finding that one that fits both your horse and you. Some people are still looking!
Also, as your horse matures, gains weight / muscle mass you may find that your perfect saddle no longer fits. It's an ongoing thing but so very important. I'm sure you've noticed on many of the forum posts, the first thing other people ask is "is your horse in pain, does your saddle fit right?" when trying to assess a behavior or training problem.
Welcome to the wonderful and expensive world of horses!