Originally Posted by kiltsrhott
Any saddle that is well-fitted to the horse should be able to be ridden in without a saddle pad and not hurt the horse. It doesn't matter what kind of saddle, or what kind of flocking it has, or how much money you spend on it.
You are talking English saddles I take it? I wouldn't ride western without a pad, no idea about endurance, pack saddles, or any other type.