I love snow - on a picture. Can't deal with the cold in reality.
I have the opposite problem to you. We have just been able to start riding for the first time this year because it's been too wet (yes it is the wet season, but a verrry long one).
It starts to cool down and the horses start sprouting their autumn coats and then we have a 30 deg C day and they are just saturated in sweat. Pain in the bum to brush out and, as luck would have it, back down to 15 deg C so not warm enough to wash them either.