I just saddle up and ride my QH LOVES it so much! He's been outside for the past 5 years and when I get on he knows what to do. We have cantered around and on a trail where there was ice and he know what to do as he was a ranch horse, so he knows what to do.
Has your horse ever seen snow? All of my horses have grown up here so they know what its like. I have a friend that got a horse from georgia and he had no hair like ours up here and he had to get extra thick blanket this past winter but he slowly grew hair.