The point of clipping is so the horse stays cooler in the winter during workouts and does not get all sweaty. I am probably going to clip within the next few weeks and I clip as much as is possible. My horse is... interesting to clip, so we usually have to leave his stomach and I do his head and legs with smaller clippers. He is worked 6 days a week, hard and for turnout has more blankets than most people own for beds in their houses lol, but for training it keeps him way more comfortable. I usually only have to clip him once, sometimes twice.
For your horse I would suggest a trace or blanket clip that is going to keep her chest, shoulders and flanks cool and I would clip once her winter coat is in. She will have to be blanketed up a bit, but not as much as a horse with a full clip.
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