Great thread. RE: cost of a Steele Saddle, I actually thought that just under $2,000.00 was affordable! I'm still using one cheap English saddle that I bought for $35.00 in the late 1980's!!
May I suggest that you look at the size of your husband's new English saddle and shop for one 1/2" size smaller. I think if you buy an inexpensive package deal (saddle, leathers + irons + pads, string girth and bridle) it will give you something to ride while you shop around. Sorry, I posted before I'd read that you had sold the Western one.
Honestly, some of the best Western saddles are going for ~$4,000.00 each--boy that BETTER be a comfortable saddle!
I just did a search and found several sites that sell used Circle Y saddles
Circle Y Saddles for sale around USA :: HorseClicks
This 16" one is $850.00
Circle Y Barrel Saddles and Circle Y Serial Numbers
16" Circle Y Equitation Show Saddle for sale in Sauk, Wisconsin :: HorseClicks
I think these prices are more comfortable! =D