I've been pretty critical of the whole Saddle thing, so I wanted to shout out that the I believe all the outstanding Saddle questions have been answered in the new FAQ!
- Class Feature Mounts may always wear a saddle even if the body type normally wouldn't grant one. Other Class Feature Entities (CFE) that are not a mount class feature are not automatically granted a saddle slot.
- Creature body types no longer disallow wearing a belt or chest item just because they have the saddle slot. In other words, saddle is a separate slot for that animal type now and they still retain the belt or chest slot respectively.
- Creatures with the saddle or horseshoe slots can always wear magic items of those types. (Nice return of that language to the FAQ).
- CRB riding animals (dog, pony, mule, and horse) all use standard saddles. ALL other creatures use exotic saddles.
Nice permissive clarifications!
EDIT: Only Mounts get saddles despite body type.