I'm sort of in the same boat. My eyes are bigger than my budget. BUT, I figure I will be reselling when I'm done riding. Bob's saddles hold their value and are made of such a high quality, that if they are well cared for, they last for years and years.
In my rationalization (highly tuned skills in this area), I can justify the initial expense knowing that the resale value will leave me with the real "cost" of riding in such a well made saddle, to be hardly anything more than had I purchased a lesser quality saddle initially that has virtually no resale value used.
Also, my strategy is to first, do the fitting part to identify which tree would be best suited to my horse (and me). Then if I can find the appropirately sized used saddle, that would be fantastic!
Good luck in your quest. If you ever need any rationalization ideas, just let me know. I can almost always come up with something plausible!