I also need some advice. My mare is turned out most of the day and all night. Last winter I didn't clip any part of her and kept her covered with the sheet. This kept her comfortable even when the temps went below 0 F for a couple weeks. The only issue I had was when I rode her she got really sweaty. I'd throw a cooler on her and she would take at least an hour, if not longer, to dry. And since the cooler has nylon lining around the shoulders, her shoulders would still be damp. Also the cooler doesn't cover her neck. So, I had a couple ideas:
1. Bring a hairdryer to dry her shoulders and neck.
2. Clip her chest and the underside of her neck, and get a neck attachment with polyfill to keep her neck warm.
What do you guys do? The weather is usually in the 20's F. But it can get down into the negatives during the worst of the winter. Plus we have all kinds of wind and snow.