This sounds very familiar. I would use a girth for a while and then start getting rub spots. I also tried the Toklat and it too worked for a while. I ride with a pretty loose girth on my sport saddle. What has worked for me has been the mohair girth with centre fire rigging. I have used this for over 3 years with nary a problem........I'm knocking on wood as I type <bg> Karen Chaton uses this also although she rigs hers differently. I have 2 separate nylon straps attached to each ring with Chicago screws. On a different topic, I know you are trying the equipedic pad and I'm very interested in how it works with a sport saddle. Good luck.