I'm keeping the saddle. It's not perfect and my consultant was encouraging me to look at a different saddle that cost twice as much. I can't justify that kind of money for what will essentially be a lesson saddle. I don't know if I'll ever want to compete. This saddle was comfortable for both me and the horse and has a narrow twist, apparently a good thing.
We're going to be experimenting with different types of saddle pads - it needs a riser, whatever that is. I went to the tack shop after my lesson and bought some glycerin based saddle soap, leather conditioner and a saddle rack. I plan on cleaning it up today. Yee haw!