I've finally sorted out the bridle issue. My last bridle from SmartPak fit well, but the Micklem fits even better. I have a well fitting saddle and my halter, the Tekna, also fits well and performs great. A well proportioned saddle pad still eluded me.
A few years ago, I bought a rather pricey pad that fits great, but at $100 it was too expensive for daily schooling so I use it for shows only.
Not being able to find a pad that fit, I resorted to all purpose pads. They're shorter along the top line and don't have such a long drop. Unfortunately, they aren't shaped quite right though.
My find got better and better though; they were on SALE at Dover! They're normally $33.99, but I was able to get them for $20.99 each. And since the pads were so cheap, I even sprang for monogramming. I am more than pleased with the pads. The monogramming is beautiful, the pads are of excellent quality, and best of all, they FIT! I am tempted to order half a dozen of them and store them until needed.