Hi. LONG time member here; just haven't been over here much in quite a while. Driving since 1985; always trained my own, as I've done with my riding horses since I was age 14, so MANY years! You are correct; what is pictured is the girth(the proper term) and the overgirth(the proper term). Wrap straps are essentially just long straps w/ a single buckle at one end, typical taper and holes for the buckle tongue at the other end. Is your harness leather or beta/biothane? I would STRONGLY recommend a full harness including breeching and the accompanying holdback straps(meaning yes, you'd need a new turn back(back) strap that will accommodate a breeching, along w/ the breeching itself. Shame on whoever sold you a show harness w/o telling you that show harness is strictly 'suited' for showing, NOT for the kind of 'around the neighborhood/town/your own place' driving that most want to do. The horse's comfort is paramount, so yes, breeching IS important for this kind of driving as it is your 'brakes', given proper adjustment. Do you know how your horse was driven before, or are you just starting? Horses need to be trained to accept ALL parts of the harness, and some 'show people' never introduce breeching at all, so unless you KNOW she has been driven using breeching, use proper training procedures to introduce it. I would suggest checking every online reputable harness maker you can find....Yonies makes great beta harness, so does Smuckers(I think both make both that and leather). See it Center Square Harness shop has a website. Do a search for harness makers...some sell by the piece, some do not. Gotta go feed my horses....will come back later! Best of luck!