I would think you would likely have to at the least keep a light sheet on her all the time if you body clipped her at all times; even though it isn't extremely 'cold' there, she still has a wintery coat, and removing it, will remove her 'warmth', so you have to compensate.
My mare is in a trace clip (minus her hind quarters), and she is blanketed 24/7 with one blanket, and gets extra layers when it gets colder. I didn't clip her last year, but she was in much better condition, because I was able to work her more consistently; this year I have been really sick, so she has been out of work, and is out of condition, so sweats profusely, and gets really unconfortable, and takes a long time to cool out, and dry...so I decided to clip. Since she doesn't get a huge wooly winter coat, she was already blanketed for the winter anyway, so it wasn't going to be any extra work for me!
"The ideal horseman has the courage of a lion, the patience of a saint, and the hands of a woman..."