I have a 13" saddle that was GIVEN to me... you won't find me riding in it! For grins and giggles we tossed it on a saddle stand and while I can put my butt inside, it certainly doesn't "fit" me. If I want to ride Western, I go next door and borrow a 14.5" saddle.
It is absurd to think that just because you were gifted with an item that it's ok to use it.
When I accidentally mooshed myself into my 11yr old's jeans yesterday, I didn't wear them. Due to medical problems, I am very tiny and very thin but irregardless, a girls size 10 jeans even though they did button up, do not fit me!