Hi Mary - I just got the Wintec webbers (with the T bar) and they don't
seem to rub any more than my old leather buckle type ones did. I will probably just make some fleece tubes for schooling to prevent any extra rubbing, but I have a black Fhoenix and the webbers look quite smart.
The best price I've seen on the Bates leather ones is at
www.horsetackco.com I actually get lots of stuff from them.
Justine