I agree. Keep your bits cleaned off. Air dry your thick, western pads, preferably sun-dry them. Wash your english pads and string girths. If you put away your leather tack with all leather on top to dry it, it is unlikely that you will irritate your horse's skin with it, whether you wipe it or soap and dry/oil it every time or not. When I taught I always washed the pads and girths and kept my bits clean, and they were used 5 days/week, 1-2 hours/evening, and changed out, depending on the horse and the lesson. My lesson horses didn't suffer any galls. I had 5 Western Saddles, and 7 English saddles, about 10 bridles, and I used ~ 5 horses for the lessons. NONE of my horses suffered any galls or skin irritations from this,
even though I only deep cleaned my tack every few months. Believe me, people who pay you notice if you abuse your animals, which I DIDN'T, and there were no complaints.
It if it's just your one horse and one saddle and bridle, and you don't show, then make your own decision.
I did and still do, check my tack for any wear/breakage, which can happen unexpectedly, which is why you keep extra EVERYTHING around, so it doesn't mean a canceled ride. =b