05-20-2013, 04:28 PM
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Coming on from my comments, and Saddlebags and others; in the UK I had a horse at livery where she was stabled every night. She hunted and was fully clipped. She was fully rugged all winter and had a whole wardrobe of light, medium and heavy weight rugs.
Now in Alberta I have two horses that live out 24/7, are not clipped, are worked lightly in the winter, go through winter temperatures down to -40, and of course are not rained on constantly. They are never rugged.
It is, as we say, horses for courses.