Join Date: Aug 2009
Location: New South Wales, Australia
Around here I've always understood it as saddle pads are thick pads, saddle blankets are either literally blankets to go over the pad if you're talking western or just the normal saddle blanket or saddle cloth english riders use, like the diamond quilted ones. They're usually roughly square shaped.
Numnahs are saddle shaped though, so you don't see much of it. Here they're often sheepskin, or fake sheepskin.