I decided to rug Dee today. The weather forecast was for colder and wet weather starting this evening. I don't know whether it is really a little early to start rugging, but I felt I left it a bit too late last year and didn't want to risk that mistake again. Horses expend such a lot of their energy just on keeping warm and dry in the winter, and Dee is a senior citizen.
It does not seem to be so very cold this evening, but it is blowing a gale outside and the rain is hammering down, so I do not regret my decision. It is nice to think of Dee tucked up in a waterproof rug and protected from the bite of the wind.