One of the ladies in a class I taught had a wool pad liner which she got from State Line Tack. It cost her $23 and looked just like the one I spent $60 for from the quilt store. It is 100% wool and worked the same as the one I bought. It's original use is for under saddles. (she had not used it on a horse). Why spend more if it is the same. They sell a cheaper one but it is not 100% wool.