For cold climates it really depends on how the horse is being kept. If they come in at night and are in hard work a full body clip, including the head, is OK but leave the belly and legs if you are planning on turning out even on the coldest days. For blankets make sure to have a heavy stable blanket, a medium stable sheet and a heavy turnout with a neck - combining these blankets will work for winter. For warmer days in the spring a non hood, mid-heavy blanket will be good. These 4 blankets will get a clipped, inside horse through from October to April in a northern climate.
For any horse living outside 24/7, good shelter and 24/7 hay are a must especially if they are clipped. The most I would recommend for these horses is a modified trace/blanket clip leaving hair on the head, most of the neck, the top part of the horse, the belly and the legs. Then blanket similarity to the fully clipped indoor horse. On very cold days the horse should not be brought inside, or worked at all as he can catch a chill, feed more hay on cold days if you are worried about the warmth of the horses.
For an unclipped, healthy horse being outside 24/7 with no blanket is also an option as long as they have hay, shelter and are not worked.
The other thing is to make sure your water is heated to above freezing to encourage drinking. Horses do not like cold water.
ETA you should have the equivalent of 600-700g of fill available for the very cold days. This can be 2 300g blankets and a fleece on the bottom, or three 250g blankets, etc.. Back on Track sheets are great for a "bottom layer" as well.
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Last edited by ~*~anebel~*~; 07-25-2012 at 04:18 PM.