I had one to a very delicate area ... my young horse bucked or kicked or something (it was maaaaany years ago) and I popped forward and hit you know what smack dab on the horn. I ended up with a skin tear then tag you know where. Years later I had it nipped off at my OBGYN.
I have a sheepskin on my saddle too, I didn't get the big one shown above, just the one that covers the seat. Love it love it love it!
Getting a bra hung up on the horn is also common.
Wendy B / Sedgwick, KS / Extreme Trail Riding / Camping