I can’t provide quarter sheet recommendations since my non-keyhole sheet came custom from a tack shop that is now closed, but yes, you can ride with a saddle pad under a full quarter sheet.
I prefer a saddle pad under since a saddle pad is easier to clean (especially if the quarter sheet is wool); I just choose something thin and pay close attention when tacking up to feel for the saddle pad’s placement, since you can’t see it very well.
I have this one. I love it. Inexpensive, good weight, no cutout, static, easy to put on/take off. https://www.fundis-equestrian.com/us/horse/horse-blankets/quarter-sheets/28228/qhp-riding-rug-wool-quarter-wool-rug
i use quarter sheets with my monoflap; i just put it under the stirrup leathers but over the flap. but similar to others, i only use it for tacking up and walk warmup, occasionally a few laps at trot - but once we start work it comes off.
I have two unused Thermatex quarter sheets
Are you looking to do some cleaning out of your tack room/storage and sell to some online friends? 
Mostly joking… since I’m in Canada and shipping is unreal these days!
Yes
I’ve been considering this one, but I usually wind up just using my regular one tucked under the stirrup leathers.
I’d buy them from you depending on size. If interested send me a DM.
Your public profile is hidden and I don’t think I can send you a DM.
I’m not doing well this morning and well get back to you when I feel better.
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