Our buckskin mare was rather heavy when we first bought her. She is pretty trim now, but she still has what people call a fat or cresty neck. It isn't hard, it's fairly flexible but it doesn't flop around either. Someone suggested that I need to sweat her, but I would like other opinions. It doesn't seem to affect her and she doesn't show any signs of illnesses that it could be a symptom of. Her previous owner said she's always had a fat neck and suggested it was just part of her build.
She is a 14 year old 14.3h grade quarter horse mare we use for western pleasure and trail riding.