Most definitely not ignorant questions - I am very interested to see the replies you get. I have had horses my entire life and can't really tell you much on the saddle end. I can tell if a saddle doesn't fit a horse "right" but I am at a loss to explain the construction aspect as to why it fits right or not. (Bars - trees - rigging) There are all different purposes - (Western)Roping, Reining, Barrel racing, Western Pleasure, Trail, Endurance, (English)Jumping, Dressage, Hunt Seat... and I am not even touching this list. I am sure you will get some very good explainations here. Do a web search for saddles and see if you can get a catalog sent to you... you can see different pictures of all different types and be able to get a visual comparison. Then stir the pot a little and bring up the topic of bits...
Crystal