yeahh it is necessary, not wearing a girdle leaves your hips open to helmets and anything else, the hip or side is a very frequent spot where the football player will take a hit by a helmet, plus landing on your side after getting hit or jumping for a ball is alot less painful if you have your girdle w/hip pads on. It also helps to keep your thigh pads in place if your girdle has pad pockets in them which i have found is a lot easier.
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A football girdle is a short-like item worn by football players under their pants. The girdle can have hip padding in them and tailbone pads.
No although it is recommended and it is good to wear receivers should not wear girdles though.
a lot of colleges use the Mcdavid padded girdle. These girdle's replace the hip and butt pads, so a player only needs to wear the knee and thigh pads in their pants.