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Tack is pricey, I make my own
That's exactly what I do. The saddle on the left is a very good Decker that I bought on Craigslist 8 or 9 years ago. They're no longer made, and cost
about $250 when they were, so I made a couple of my own. Including the cinches, I have about $50 in each of them. Good pads are another story. I have no way to sew the heavy felt.

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“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell

It's not over when you lose. It's over when you quit.