Thanks, WickedNag! =]
Alwaysbehind- Yes, the price includes everything except shipping, unless you want extras (b/c of extra fabric and/or nylon costs).
The extra costs are $2 extra if you'd like a dressage-sized pad instead of a standard-sized all-purpose pad.
Girth straps are free, just have to check the box if you would like them. I simply wanted to offer the option of having or not having them, since I personally have pads with and without myself, for various purposes. Personal preference, I suppose.
The billet straps, if you would like them, are an extra $7 because the nylon for them will cost extra and positioning them just right takes a bit more time than usual.
So to answer your question, you can have both, one or the other, or none at all!
The easiest way to pick out a fabric is to go to Home : Shop | Joann.com
and give me a link to the fabric or type of fabric you're looking for. (It should cost between 4.99-6.99/yd, if you're looking for a basic solid or a cotton print.) I have a Hobby Lobby that carries fabrics, a JoAnn that has fabrics, and a Wal-Mart that carries fabric near my home, so I can go to all three stores, and take photos of what I can find, and get back to you to make sure that the fabric is the print or color that you would like. (Assuming I cannot find the exact fabric that you have shown me at JoAnn.)
Let me know if I can answer any more questions! =]