Just my 2¢ but my mom has a saddle pad very similar to the second one, it is my favorite one we have! It is older and has a tear in the fabric on the top because of a mouthy pony, but it has stood up to nearly 6 years of wear a tear.
She also payed upwards of $100 for it. Well worth the money if you can get one pretty new for a good price. I hope you can find something at the tack store! :)