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I'm assuming you have an English saddle already? My son recently did an open show, which I'm guessing is similar to a 4-H show as far as fanciness. He used a white fleece pad with a spot for the number, although many people used a regular fitted fleece pad and put the number on their back. He just used his regular English saddle & bridle, as for English, the fancy "bling" isn't a big deal.