It's amazing how warm that fur can keep them. My silly horses used to love to stand out in the snow in spite of having warm stalls to hang out in during bad weather. Looked out once and saw my little half Appaloosa mare standing with about 3 inches of snow on her back. I went out to brush her off and on an impulse burrowed my hand under the snow into her undercoat. She was dry and warm. Didn't even feel the cold from the snow on her back.

