I would not have a cooler on as a liner in turnout. I find they pull and warp and just get dirty.
I would have a sheet, a 200g turnout with neck and a light 100g liner. Then just mix and match as required.
I just full clipped (nose to toes) mine and we are dipping into the 20s at night. They have cotton sheets at night with turnout sheets on overtop to go outside. At 0 they'll start getting 250g blankets and even colder than that 200g liners and 350g blankets with full neck covers. And they'll get clipped once more this year, just a blanket clip with necks.
So don't worry about having a clipped horse in Arizona!!
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