Both mine are rugged in MW rugs (no neck covers). One is a chaser clipped woolly cob who lives out. The other is unclipped but has a much finer coat, he is out most of the time but comes in for a few hours in the mornings. Both were warm enough in driving sleet and strong winds today.
Gydja is unrugged (but has grown a very impressive rug of her own).
Beryl is currently clipped (a low trace) so is rugged.
Whether or not to rug really depends on the horse. My first loan horse was a big hairy cob who looked like he should be fine unrugged, but he hated going naked he just moped by the gate looking miserable until he got a rug on when he was happy as can be.
The sooner I fall behind the more time I will have to catch up
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