Cold horses and justification for blanketing

I'm sharing blanketing duties with the owner of the new mare in our corral.  The mare's name is Jasmin, and she has -- inexplicably -- grown quite attached with Rondo.  Usually it's Panama who gets the ladies, so I was quite surprised about her choice of companions, especially since I don't think he cares all that much.

In any case, Jasmin's owner is a little on the nervous side -- she fussed about introducing Jasmin to all the horses individually the day she came before finally putting her in with them.  Likewise, she is a bit of a nervous Nellie about blanketing, not to mention she seems a bit inconsistent: She blanketed one night that I know of not too long ago for 30 degrees, but wasn't blanketing the other night for 20 or so.
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The debate on blanketing horses

We've been enjoying a gorgeous Indian summer in Colorado, with temperatures in the 60s, 70s, and even the 80s all throughout October.  It's very welcome after our rainy, cooler summer and early fall.  Yesterday, however, was blustery and very fall-like, and today is cold and threatening some freezing rain or snow.

With cold weather finally making an appearance (briefly -- it's supposed to warm up again tomorrow and stay nice for the rest of the week), blanketing season isn't far out.  I only blanket under 20 degrees and for snowstorms, so I'm not blanketing yet -- but I sure was tempted today.  I sure felt cold, and the horses were acting like they were a little cold, too.  I do want them to grow winter coats, though, so I resisted the temptation.  I may go back later if it rains or snows, but as long as it stays dry I'll leave them unblanketed.
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