I always let people try saddles they buy from me. I ask for the full purchase amount in cash. I hold their cash for 24 hours. I take pictures from all angles to document the condition, and have them sign that that is the condition they received it in, and if it's returned in any condition other than that, the amount of damage will be deducted from their refund. No refunds for damaged trees.
They have to trust that I won't take their cash and run. I have to trust that they'll take care of the saddle. I've only ever had 1 saddle come back, and there was no damage at all.
Saddles are much easier to sell at much higher prices if the buyer can try it and not risk getting stuck with something that doesn't fit right.