My mom bought herself an 07 Sulpher OK trail saddle and it seems to be decent quality. Shes happy with it and the horses are OK with correct padding. As for barrel fit... if a 14 is most comfortable for you then go for that. Especially given your description of yourself I would imagine that you DONT need a 15" unless that is what is specifically comfortable. Many (if not most) barrel racers ride in a barrel saddle of a smaller seat size than they would a trail saddle. As for your concern in out growing your saddle... first off, you sound quite small and it would take you quite a few lbs/inches to do that I should think, and 2nd off Billy Cooks are not hard to come by, at all, and even if you DO outgrow it at some point later in life you should be able to replace it relatively easily, just like you should expect to do if it didn't fit your horse. As long as you take good care of your saddle they hold their value pretty well.