Well, Mike,
What I think you are suggesting is to intentionally induce "bridging" in your saddlemaking. Most of us try to avoid this. If a guy has 25 horses in training, he can probably afford to buy a couple of well-fitting saddles. If he's trying to "make do", then he will soon run out of clients.
When you see horses in the movies or on TV and they have white spots on their loins and withers, this is mostly because the saddles "bridge". This is uncomfortable for the horse, as not only do the ends of the bars carry all of the saddle's weight, they also carry the totality of the rider's weight. Add to this that the saddle with slip about under "performance conditions" and you can see why this isn't a good idea. As a parallel, get yourself a backpack weighing about 70 pounds or so, and then where the pack frame contacts your hips and shoulders, add a block of wood, then go run a couple of miles. Makes a believer of you.