not usually until january for my tb mare but shes got tummy fluff already!?!! ahhhh! so im giving it a month then it may have to come off.
mind you, i have been rather relaxed with rugging this year and shes lived out 24/7 for the first time we've had her in 5 years (she used to jump in if it rained...yes!..she did it at college - a hospital stay and £2500 vet bill, little madamme)
yeah getting my horse fit for hunting, getting very sweaty...coat is coming through....personally i think its too early but....then i do know people who clip all year