Personally, I'd only sleep at night knowing there was absolutely no chance of him falling into a bad situation. He's owed that much.
Playing devils advocate - could you not loan one of the ridden one's out so you can keep the cob?
This happened to my New Forest last summer - if it's any consolation, it's growing back nicely & not too far of it's original length now. It's actually thicker this time around :)
Hopefully your girls does the same!
I live 20 miles away from my DIY livery (although with assistance available) - it does make it harder work, being further away, as I used to live 2.5 miles away & so notice the extra travel in both time & petrol costs!
To be fair, I think it's a bit harsh to say you'll look a prat in jodhpurs - I've gone to Hickstead and agricultural/county shows in jodhpurs before. Hickstead is close to my yard & if I've ridden before & going straight from the yard, I'm not driving in the other direction to change for what is...
If it makes you feel better, I once had to ask my boss how you can go clockwise or anti-clockwise around the M25, as surely you were either going up or down it ... :D
I've just found my iPhone has an inbuilt compass - I'm going to have a look tomorrow!
Or, put lots of effort into a horse to have him/her taken away at the owners whim ... Again, 2 sides & just playing devils advocate.
It doesn't bother me, I won't loan personally - but the amount of loans I see advertised where the owner wants someone to improve their horse & take it back...
But presumably you'd be happy for the person loaning (so doesn't even own the horse) for their tack to decrease in value when the horse goes back to the owner?
I can see both sides to the tack/no tack argument - so just playing devils advocate here!