You're finding a nice selection there. I'd pass on the Collegiate only because you're finding some other really nice saddles for half the price. The Kieffer is an excellent find in my book and a really good price. The Stubben is always a good find as long as you realize that Stubbens are known for their harder seats. Some riders prefer this. I truly enjoy my Stubben AP. But if you like the softer seat, the Crosby Soft Ride you found is the way to go and it would definitely be a good size for you. I would just haggle on the price a little. So my votes are the Crosby, the Stubben, and the Kieffer and not necessarily in that order. I'm glad I don't have to decide. ;) Let us know how it goes. I'd love to see a pic of the end result on your horse. :)
An AP isn't the best saddle if you are learning dressage. You will sit differently in the dressage as well. Women are inclined to spread out a little as we leave our teens so your best bet is to try the saddle out. You'd know in about 20 min if you like it or not.
AP? See the hard part is I'm not sure if I can try them out :/ I will be going to school in alberta and need the saddle for my classes, I am just aiming for on the will fit my gelding when I come home. So I am flying out there and getting a saddle, I don't have a horse to try it out on.
I can keep an eye out down here, I gotta go up and look at some horses in Edmonton/ Red Deer for a student (also have a few events in okotoks). So if you see anything in the Cranbrook/ Lethbridge area send me a message and I can go and look at it for you.