Yes, I ride with a pad. My horse produces soooo much heat, it's for protection. She has a marvelous flat, comfortable back, but you can't sit it very long due to the heat coming off her!
A couple days later, my granddaughter, the Autobot, went riding with me. She wanted to try my saddle, so it doesn't "quite" fit her. After we got back she said, "Next time I think I'll go bareback." A nice way of saying my saddle wasn't particularly comfortable for her. LOL