I know what you mean - a female with a *high* withered TB ... Ooh, he is great bareback, calm as a cucumber but ... ow :p I sit a little farther back, behind the withers, and rely on balance at the walk. Trotting I make him slow to a tiny little jog and also rely on balance. Cantering I hold with lower leg and let him go as fast as he wants.
I also have a round, rolypoly QH that I ride bareback *MUCH* more often ^.^ He's got a nice calm trot, lumby walk, and a gallop as fast as a TB ... very smooth, of course :p
I have this BB pad, but never use it. It won't help improve your seat or legs at all, which is my reason it collects dust, but if you just feel like chillin, it's great -
Tough-1 Adult Navajo Bareback Pad Navajo Saddle Pads Western HorseLoverZ.com