Ours are all unclipped and out all the time. The two boys (TB and a native x) have 200g rugs on overnight which have been coming off in the day when it's dry. Welshie has been naked as usual.
One rug only, she only needs one, she is a warm type of horse, she currently has an apron clip, even if she were fully clipped she would only need one rug,just perhaps a slightly heavier weight. She has never worn or needed more than one rug at a time