Wow, you think a good rugging system is lazy??? I guess you've never had to go out to your horse 3x a day because the weather keeps changing and you care enough to change his rugs so he is the right temperature... So far from lazy.
A clipped horse will need MORE rugs than a unclipped horse. He loses his natural method of insulation, and you have to replace that by piling on more rugs.
I keep my show horse, My ASH, rugged. His coat stays shiny, sleek and healthy. I will body clip my arab, because he sweats too much in winter. The arab will need an extra rug as opposed to my ASH, because he doesn't have hair!