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.
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 :)
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.