What part of the country are you in? Maybe a person who reads the forum will turn out to be near you and can help you out. Do you have any tack stores in the area that would let you sit in some different styles and brands?

Actually, eBay can be a good way to find a bargain, and if it does not work for you, you just turn right around and sell it yourself. Wintecs are moderately priced, used. The really well made saddles are going to be worth the price, not just in quality of workmanship and comfort, but in resale value. Some of the best brands, IMO, are Courbette, Stubben, Crosby. Collegiate is also usually going to be a well-made saddle, and moderately priced.
Jeanie