I used to use one a lot with my old saddle which fit well on it's own. I was borrowing a Crates saddle that fit Cope pretty well, but for some reason it caused the chest collar to rub the spot where the three pieces attach to each other in his chest. It made a little bald spot there, so I took it off. I feel kinda bad because I've been looking for one to work with the Simco saddle I have now, but haven't. We're going on an 18 mile trail ride tomorrow...so I guess it's a good thing the trail doesn't have many hills... There will be a tack vendor there though, and I plan on seeing if they have anything I like.