I don't have the comfort pad on mine & it's still quite comfortable. As mentioned by swar45, I usually have a layer of clothing between me & the holster anyways. But even in summer when all I have is a T-shirt it doesn't chafe or rub.
When I got mine, I took some pretty fine sandpaper to the leather backing to smooth out the backing that would be touching my skin and then cleaned up the edge by burnishing it a bit more.
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