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No.
I recommend a water proof rump rug for cold rains
(say 30 to 45 degrees). I made mine by covering a piece of polar fleece
with rain coat coated nylon fabric.
If you don't like sweating to death you have to
spring for a Goretex rain suit. There are also cheaper immatations that
work almost as well. Check out REI coop or Cabellas or another sporting
goods supplier. The pants made of bicyclers work better than those for
hunters. You may have to duck tape them down to prevent their riding
up.
Cold rains can cause horses to cramp up. Walk
them and blanket them at stops. If riding for recreation or training, stop
before they get really tired.
My mother always believed that cold and wet caused
colds and flu. Myself, I subscribe to the virus theory.
Ed.
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