Now that I have a saddle that I think actually fits, I'm pondering pads. I'm currently borrowing a gel pad--and hearing rumors about older gel pads causing back problems--which seems to be working OK. But when it comes to buying a new one, I'd love to hear opinions on what works best. Fleece or gel--they're pricey for my budget. My nine year old TB is sensitive about girthing and even brushing around the saddle area. (I'm looking into some expert advice on massage, etc.) Any opinions about fleece vs gel?