I do mostly "casual" riding and only about an hour at a time. I do trail ride occasionally, but I wouldn't go for over 2 hours at a time. My horse is starting training on Tuesday and we will be doing a lot of arena work. I'm going to be training in dressage, but will start in a Western saddle since my horse is green and that's what I most am comfortable in.
I used to use either felt cinches or the "waffle" type neoprene. I did like the waffle neoprene and didn't ever have issues with rubbing, but like I said I don't generally ride for hours at a time. I've always steered away from rope cinches because I don't really like that there's nothing in between the buckle and the horse. I found some neoprene buckle covers, but the covers plus the cinch really puts the price out there, and I still have a saddle pad to buy, as well.
So, mohair or airflex?