If you notice that your horse is getting rub marks over his loins when his winter coat sets on, you should not be concerned, as it does not mean that your pad is rubbing a sore. When a horse grows their winter coat, the longer hair is older and more brittle than its short summer coat, and it is easier for the longer hair to get caught in the wool fibers of the pad and break off. You should only be concerned if you palpate the area and your horse is sore. Baby powder can be used under the pressure points of the saddle and pad to lubricate the hair shaft and prevent breakage.