Most universal try Wintec, not to pricey, has interchangeable gullets, easy to clean etc. but my personal opinion: Saint Lourdes, it's comfortable, easily fitted, and it keeps your leg in the correct position and helps you sit bucks 😅😋 but it's not cost efficient.
It depends on your horse. We usually tend to buy saddles for the rider and not for the confort of our horses. I personally think the saddles that let the rider feel closer to the horse are better. A good example are BUTET saddles, I really like these ones, evenmore, with one of these you don't have to use any saddlepad because they are supposed to fit perfectly.