Don’t be fooled, especially on Western saddles by ornate carving and fancy silver accents. Very expensive show saddles have real silver fittings and tooling done by craftsmen. But cheap nickel fittings and leather with machine stamped designs can be a way to distract from the fact that the saddle is of overall poor quality. You've probably heard the phrase 'fine grain leather'. Good quality has a fine grain--the pores are small--and the leather feels nice and supple. Poorer leather feels more cardboard like and has open coarse pores. They may be covered in a finish that will easily scratch off.
You can buy custom made saddles. Made by craftsmen who take casts of you and your horse, the fit of your saddle will be exact as possible and to your specifications. These saddles are priced in the thousands of dollars. If you have a difficult to fit horse, or are serious in pursuing a specific sport a custom made saddle may be worth the investment.