I prefer suede for my polo saddles. Whether I like rough out or smooth for western depends solely on how it fits me.
All of my gear gets wet. Rain, crossing rivers, snow. I've not had one get ruined.
One of my daughters, who ranches, got a rough out, got another, got another (as the kids grew into them :) ). She really prefers them. The kids live in them in the summer months and do not care for them like this old track rider does. lol The saddles are holding up fine.
My husband had a hand-me-down rough out with fenders worn thin and smooth from years of use. I did take a wire brush to it lightly rough the leather up. This thing must have been more than 40 years old. A lot of it came back, but understandably, not all.