I don't rug my ponies, mostly because they're native/moorland ponies and have quite the winter coat. They have plenty of outdoor shelter too.
But I hear lots of different things about horses... I am just curious as to whether you guys rug your horses during winter or if it's very cold/rainy (if your horse is out 24/7).
Also, what breed is your horse? When do you rug, if at all? I had an OTTB and we rugged a lot during winter when he was out, and clipped. Sometimes we had an under-rug beneath the turnout rug too if he was in or out. If it was ever particularly icy cold or very rainy in any other season, we'd do the same (just have a heavy turnout rug)... but that was only if we really deemed it necessary.