Join Date: Dec 2010
Location: southern Arizona
It looks like it fits OK to me. It looks a bit long, maybe.
The ruffled hair is pretty common. I don't think rigging pulls a saddle forward. Hips and the motion of the back may push it forward, and the rigging may allow it. What seems to help my horses is a cheap, mostly acrylic Navajo blanket folded in half. My theory is the thin and somewhat slick sides move past each other, so any rocking of the saddle gives less ruffles.
I'd play around with padding before trying anything on the saddle. You can fold towels of various sizes to create an extra pad of various sizes to see what happens for free before spending money on various shape pads.
... Energy is an admirable thing, but the energy of stupidity seldom avails much..." - On Seats and Saddles (1868), Francis Dwyer, Major of Hussars (light cavalry)