What is a skirt on a saddle?

A skirt on a saddle refers to the part of the saddle that hangs down on either side, typically made of leather or synthetic material. It serves several purposes, including providing additional coverage and protection for the horse's sides, helping to distribute the rider's weight more evenly, and enhancing the overall aesthetic of the saddle. Skirts can also help to reduce friction and prevent the saddle from shifting during use.