In the spring and fall my horses will get what looks like a rub over thier kidneys but I think it's just the long hair being worn of from the motion of the horse. I have never had it rub all the hair off or cause any soring. That said, I like to use the best pads I can afford. I like the Diamond Wool pads or the neoprene type pads although they can be costly.
There's nothing like the Rockies in the springtime... Nothing like the freedom in the air... And there ain't nothing better than draggin calves to the fire and there's nothing like the smell of burning hair. -Brenn Hill