I agree, particularly with Bay's difficult back. I have had a cowboy friend tell me that the fuzzy cinch and breastcollar that I bought for Bay's Western outfit are also bad on trail and will rub when they get muddy. I'll be watching. They sure ~look~ comfortable.
I like wool pads and felt cinches. I've had some very bad luck with neoprene stuff. With the fuzzy stuff I think you'd just have to watch that things like stick tights (do you have those there), sand burrs, cockleburrs don't get stuck in it.
Becky