Serge Panels

Saddle company saddles are made with serge panels. They are very forgiving on the horse's back.

The only downside is that you need to ensure that the appropriate flocking is used. The flocking needs to be really soft so that the serge moulds to the horse - hard white flocking causes the panels to stretch out of shape and then you need to replace the whole panel (which is about 1/3 of the cost of the saddle).
 
When we were children, a leather panel was a luxury!

If it gets sweaty or wet, allow to dry naturally, don't put it by the fire or radiator, it needs air to it and then brush with a stiff brush (we'd always use a dandy). Linen panels you could wipe. carefully with a wet rag and we used to use whitener on them for hunting!
 
Forgiving and breathable. They do require a little consideration but are worth having. Keep an eye out for a balling flocking had hard spots and be ensure the panels are kept as dry as possible. A stiff brush (or a damp rubber glove) will lift out most hair and dirt.

In my youth most saddles had serge panels.
 
My Heather Moffatt dr saddle had them. They are supposed to mould to the horse's back better, be softer/more comfortable & not so cold.
 
One of our horses is in a serge lined Humphries & Swain saddle. It is excellent, he works really well in it and lifts his back into it. He's not done that with any other saddle before.
 
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