I want to buy a saddle very similar to the one below from my girlfriend complete with matching pad, neoprene girth (about 2 years old) and nylon/cloth cinch. I may be able to buy the saddle bags too. The saddle is in OK shape, very good for it's age, and I have been using it for months without any problems. How much should I offer her? With or without the bags? She won't give me a price for reasons I won't go into. I know she won't take what it's worth but is $100 an insult without the saddle bags?
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