Huh, cool. I always thought that was more required from mid to upper levels.
I'll stick to my short dressage coat and helmet. Lol.
As for the tails, as spyder said, you have to be in the FEI levels. I believe that if you are riding two horses consecutively - as if if you were showing a young horse in 1st level, and your main competition is, say, Intermediaire, then you could also wear the shad in 1st level. But otherwise, only in the higher levels!