And this is what the pads look like before I sew the webbing and buckles on 'em. They're made of 100wt fleece, nylon pack cloth, and 3/8" closed-cell foam. Hundred-weight fleece has wicking capabilities. I don't know if you can really tell or not, but I like to think that it makes a difference. Ha ha ha... Anyway, it doesn't bunch up like woven fabric, so it feels nice 'gainst yr body.
The strap on the musette below wasn't that comfortable so I made a little pad for it...and then I decided that it wasn't workin' so well so I just made a regular padded strap:
And I put the little pad on another bag: