I love it, but...
Let me start off by saying I LOVE this product- I've been a customer for over a decade. I love the shoulder pads, and on my moneymaker that has the little metal loops, it is great, but for this last moneymaker I purchased, I decided to omit the rings, and I guess because of that, the shoulder pads do not stay in place. I was at a wedding, and they had slid all the way to my back. More work then I wanted it to be! :) So now I know for next time- if I want the shoulder pads, I should keep the rings! :)