I prefer necks for keeping clean but my boy can't have them, tis uber annoying lol. If your horse can wear one without it rubbing out their mane, I definitely go for neck.
My personal preference is a high neck or no neck. My arab had a combo turnout and got barbed wire stuck underneath the rug. He shredded his neck to bits and now refuses to be turned out with a rug sull stop.
My other (draft) horse clearly did not like the combo rug I tried with him, but he doesn't mind a high neck.
I hate seeing horses in distress when the neck rug slips over the face!
no neck in the case of mine but they are both natives & get too hot otherwise.
ive just brought 2 lovley lightweight T/O's, a Saxon & a Weatherbeeta landu both are secondhand but fit really well (and were a bargin at £30 the pair) woo hoo.