Funny and entertaining. I keep my horses with natural blankets on all winter and I feel fine and so do they. They grow their blankets in the autumn and right now they're shedding them all over the place. The only time I've ever had to blanket was when I owned a thin skinned thoroughbred. She shivered when it dropped below 40.
My new horse was kept in her summer coat so she is going to be blanketed until it gets warmer. Silly girl!
I always keep a close eye on the ones that are young, old, sick, or going into winter on the thin side.