I agree, 20 degrees is about my limit for riding, as long as there's good footing. I splurged on a pair of the Irideon winter tights and I LOVE them. They're waterproof and polar-fleece lined, and I wear a pair of long underwear with them. I use insulated paddock boots with half chaps, although a set of shipping boots works great and are warmer! I would rather blanket my horses in bad weather and give them more turn-out time. If we're getting a lot of snow or if it's colder than single digits and/or windy I use a medium weight waterproof/breathable blanket. Then they tromp around in the pasture digging for bits of grass. I think it's healthier for them, and cuts down on my bedding costs and cleaning time. Actually I only keep my 27-year-old in at night during the winter (goes out at 5am, comes in at 9pm), the others have a shed. The only time I don't ride in the winter is when we get those stupid thaws where everything melts, then freezes and gets icy.
