I always work myself up when I think about this, because I just can't figure it out.
So, take the average waterproof sheet, and you throw it on your horse who has a relatively decent winter coat, but gets mighty shivery when she's wet.
The "weight" of that sheet does smoosh her winter hair so it's flat and can't raise to trap in warmth. In the end, is she actually COLD?
Does she need a somewhat thicker blanket to replace the warmth her own natural coat would provide?
Or, is she still warm even though her coat is flat?
Thank you for any feedback. I seriously lie awake at night thinking about this. LOL!