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I bought this saddle brand new, turns out that it fits all 7 of my horses BUT i'm too short for the stirrups. I think the saddle was made for a taller rider (5'10" and taller). My boyfriend rode in this saddle once comfortably, but he doesn't ride enough for me to keep it. The set includes the saddle, cinch, back cinch, headstall/split reins and breast plate. Although the saddle fits all of our horses, we found that we need to use a pony size girth, due to the off-straps being so long. GREAT saddle and oh so comfy! Would be perfect for someone that needs a comfortable riding saddle. The stirrup rigging is attached to a d ring and you can move the stirrups in any direction your legs want to go. It fits my friend's tb mare and my horses range from qh, morgan, appaloosa, paint and all have different builds. Price is firm and buyer MUST pick up. NO SHIPPING! For an additional fee if you are local we can meet or i can come to your farm to ensure a proper fit to your horse!