Depending on how cold your weather gets, you may just blanket and not clip. The blanket will discourage a heavy caot but allow enough coat for comfort when you ride on a cold or windy day. There are various trace clips that allow the horse to dissipate sweat and cool while riding but still allow enough coat for comfort.
I haven't been blanketing at all yet and I would prefer to let my horse grow a winter coat until January rather than blanket her. That way I can just clip her where the saddle goes as well as her neck and chest. I would not be clipping her back end or her belly, just the places that she sweats the most.
Unless your horse is box stalled with bedding, that might be a cold way to lay down with a full body clip... Just a thought
At night she is in a tie stall and would have a stable blanket on so the only clipped part that would be uncovered would be her neck.
I blanket from now through the winter with appropriate weight sheets and blankets and take them off during the day if it gets too warm, we can have up to a 50 degree temp change here in the desert from night to day!
I do like to ride after work and put up my horse away dry without having to worry about cool down, darkness, feeding a wet horse. etc. so blanketing works for me without the clip. Plus, it eliminates grooming time before the ride during those cold, short winter days
Trace clips work great, my friend does not stall or blanket and rides dressage all winter without the wet heavy coat problem.