I'm going to have to get a new saddle pad this year, most likely, I was just wondering what the best is. I don't want to spend a whole lot more that 100$ on one. I was thinking more of a cut out because the pad I have now (fits properly and is properly placed) rubs at the bottom of her mane and bunches up a bit. I see these pads that have high withers, would that do any good or would cut out be the best. Wool? Sythetic? So many options.