I have just bought 2 saddles off Ebay for Frayne (fingers crossed that at least one of them fits!). A western and a treeless (which has fenders, but also English stirrups can be used with it). For both of us, comfort is the main thing (I have arthritis and hope that we will be able to enjoy pleasure rides). I am doing Parelli Natural Horsemanship - so we are using a rope halter and 12 foot rope. This is used for riding also (you flip the rope from one side of the neck to the other when changing direction) until the next stage of training where it is then tied round to form '2 reins'. Have you got any Western instructors in your area that could help you?
Ali xx