I am considering 2 vs. 3 straps. My local saddle shop is making me black 1 1/4" straps with holes 1/2" apart at a VERY reasonable price- bordering on ridiculously low. (St. Paul Saddlery 651-222-5616) They did not have a very good selection of buckles so I will get them elsewhere. I found a nice silver kilt pin on Ebay so I'm, all set in that department. I was going to go the 2 strap route, but what are your thoughts?