I use the bridle, saddle pads, boots, and dressage saddle that were assigned to my horse before I leased her.
I've purchased my own corrective half pad for it and over Christmas I took the school saddle I use, stripped it, re-dyed it, re-sealed it, had it re-stitched, and replaced the old stirrup pads.
I also have on loan a Wintec AP saddle from a friend with a standing offer to buy it for dirt cheap, which I will do. It came without leathers and irons so I bought those. I also did not like any of the schooling girths on the rack so I bought a nice fleece lined one for Calypso.