My horse loves the serge panels on his dressage saddle. It makes him so much more comfortable. I’m shopping for a saddle for him to use in XC and jumping. The fitter pointed out that the serge might get sweaty. Two other things occurred to me.
Grippy XC saddle pads are generally made to grip leather. If you XC with serge panels, do you find more saddle or pad movement? Does a leather panel offer move “spring” in the seat, helping you stay off of the horse’s back a bit? I can imagine the serge feeling more like falling onto a pile of blankets which is comfortable but you just flop vs falling onto a springy mattress and bouncing back up.