Originally Posted by tim
It's not really set in stone. Depends on what it's made of and how the saddle fits.
Still most pads are fine for any horse and saddle. Just don't use a blanket without an under-pad, they can pinch.
I think some horses are a little more sensitive than others. I have tried tacky pads and felt on mine and she has a hizzy fit. She likes her fluffy fleece
The thicker the pad the more you lose the close contact too.