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.
Get up, get going, seize the day. Enjoy the sunshine, the rain, cloudy days, snowstorms, and thunder. Getting on your horse is always worth the effort.