Opinions on english saddle panels, flocked vs. formed?

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From: Jennifer Smith 
Email: ladybug@lewiston.com

Hi everyone,
   I would like to get your opinions based on your experience of putting a lot of miles on your saddle.
   A great deal of the saddles on the market for the past several years have gone to a formed foam and/or formed felt panel.
   What I would like to know is how well have these held up as apposed to the traditional wool stuffed panels?
    Do they just break down and you through away the saddle, or do they really last? 
   How often do you re-stuff your wool panels?
   Which do you feel fits the horse better in general?
   I would love to hear your thoughts on this matter.
   Please e-mail me directly at,
ladybug@lewiston.com
   Thank you for taking the time.