I have thoughts. No, it doesn't need refleecing. The fleece provides a modicum of cushioning but it's main purpose is to keep the pad from scooting out from under the saddle as the horse moves. What is missing is close to the air channel. Refleecing is about $250+. If she thinks it needs refleecing, I've just given you a cost so throw that into your bargaining. Don't tell her it's ok. You can buy me a coffee if we ever meet. Lol. Let us know how it turns out.