Join Date: Apr 2008
Location: Orange County, NC
For a healthy, not clipped, horse that has access to free choice forage and some shelter, this is more of a human preference than anything else. If you want to keep things simple, the most important thing to remember is that a wet horse is a cold horse, especially in the wind. The only time we cover our mares is if it is going to stay around freezing and raining for days, and we use only rain sheets (typically called turnout sheets) that are waterproof, but not insulated to keep them dry. Just that and all the hay they can eat keeps them plenty cozy.
For seniors or horses that have a hard time keeping weight on, I would certainly consider an insulated blanket, however.
On the sixth day, God created the Quarter Horse.
On the seventh day, he Painted the good ones.