I have a mutton withered halter horse with an 8.5" gullet size. I took her to a saddle fitter, tried on many different saddles and never found one that fit her appropriately. A Full Quarter Horse Bar (FQHB) never fit her, no matter what brand.
Caldwells had a tree that would probably fit her, but I didn't have $3K to spend. There were a few more brands that had specialized trees that might've fit as well. So I went the treeless route and I haven't had a saddle fit issue with her yet now that we've done that.
I ride in a Bob Marshall (the only Western treeless saddle worth anything) with a 1/2" 5 Star Wool pad. They're expensive, yes, but they're worth every penny. I also switched to a felt girth and that fixed issues over the neoprene.
Make sure that if you have a neoprene girth, you need leather off billets and leather cinch strap. If you have a felt, wool or rope girth then you can have a nylon off billet and cinch strap. I spent $700 on my used Bob Marshall in good shape.
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