Not necessarily^^. If you can find a smaller maker who makes working (not show) quality stuff but isn't really well known, then you can get it cheaper.
Mine, that I have roped cattle weighing almost as much as my horse in with no ill effects, cost me a whopping $687...and I got it made custom to fit my taste instead of just dealing with what was already part of the saddle's appearance.
OP, I agree with others, I am glad that you're not going to get either of those saddles. You couldn't pay
me to put either of them on one of my horses.
Do you know what size saddle your horse needs? Since both you posted were FQHB with 7" gullets, I'm assuming that's the correct size for him?
If so, I would strongly recommend Corriente Saddle Co
. They make a great working quality saddle for an affordable price. Me, my Dad, and my Brother all ride in Corrientes and love them. I use mine for cattle work, roping, trail riding, and breaking in colts. It fits a wide range of horses and in spite of riding for hours a day, I've never had it sore a horse yet.
I've used it on ponies
Regular sized horses
And draft cross sized horses