My warmblood becomes a mammoth. He really looks like one too cause of his colour.
My TB I havent experienced his hair cause I've only had him 7 months and he was clipped when I got him. I'll probably rug them ALOT this winter for pony club. I usually but about 5 rugs on each horse. Some thick, some thin.
My TB only ever has his rug off when I ride him. SO basically he's rugged 24/7 365 days.