I'm in N. Cali. I have that blanket and I think it's wonderful. The waterproofing is great, it's shaped well and stays ON through wind, rain, and my horse taking a mud bath. Best of all...my horse hasn't destroyed it in 2 years and it's showing no signs of failing. That's far more than I can say for Tough-1 blankets (never again...) It takes barely any time to change the liners - unzip outer shell, match velcro on liner to velcro inside of blanket, stuff in the liner and smooth it out, then zip up the blanket. The clasps, even being plastic, are one of the best ideas I've seen yet. They're easy on cold/stiff/arthritic hands, too. I got the hood for this blanket included for free, and it's very easy to put on as well. Lots of velcro. I was thoroughly impressed with how carefully packaged this blanket was. Each liner has its own 'camp' bag, but I can never get the liners stuffed back in the bags so I keep them in the original Noble Outfitters box.
Only problem I had with that blanket was this: it ran a little long for my mare and she had a hard time lifting her tail. I noticed it shortly after blanketing, and resorted to cutting the tail flap up the center. The flap is an entirely separate piece of fabric, so this in no way harmed the blanket. The fabric has not unraveled and it has stayed great. The flap is now a self-closing curtain.
But...your horse is sweaty after a ride? Then adding a blanket is not the entire answer. Optionally, you can clip your horse. Even if you do, your horse should be dry before blanketing. But then your horse will be dry...and the way you made it sound, your horse doesn't need a blanket when dry? If that is not true, then the Guardsman blanket will serve you well. I wouldn't worry about changing the filler too much, and your horse might not even need the fill. My horse has a winter coat and she's keeping her weight into the cold months, so I don't bother using the fill that often.
No diet, no hoof. No hoof, no horse. No horse is not an option!