Just clipped today. In no fill turn out overnight with neck. Will take the neck off in the morning when I turn out. She will probably be a bit warmer then I would ideally like but she was very fluffy so is a fairly big change, and field is on a hill so hopefully a bit of a breeze
Totally depends on the horse, mine only ever has a blanket clip but she would be out naked until it was below 7 degrees and rainy/windy. When she is stabled she would be naked until it was getting frosty but she is a very hot horse and even in the worst winter weather her thickest rug is 50g.
Just clipped yesterday and she is in a 50g without a neck. I was going to put her in a 70 g today with neck but the forecast was right, it is now getting very warm here, so will probably take her rug off for a few hours tomorrow and then back in the 50g.
She is a very 'hot' horse so although retired I do still clip her (well at the moment one of my sons does it for me God love him!) as she just gets into a scruffy sweaty mess if left to grow her old ladies winter coat.