I currently own/ride in a Tucker Cheyenne trail saddle. Don't get me wrong, I LOVE the saddle. It's beautifully made, it's well-worn and has traveled many, many miles in all kinds of weather. I love everything about it: except for the fact that it has a horn.
Maybe it's just because I grew up riding hunter/jumper, but I don't like that kind of bulk in a saddle. Balance should come from yourself - your body position - not the tack you're using. If you need a horn to feel "secure," you need to work more on your own balance.
I just have no "use" for a saddle horn and feel like it gets in the way more often than it is helpful. If we're climbing a steep hill, or if I have to lean forward to duck under a branch, I'd rather not have to deal with the horn even being there.
Yeah. . .it is something to hang horn bags from, but my front saddle bags attach to the d-rings and pommel so (again) the horn is just kind of there.
My next saddle will not have a horn.