Is not clipping and having a light turnout rug ok or just not clip and no rug or clip and medium/heavy rug better?

I'm not clipped and have a 50g turnout. Just because he gets rain rot. Otherwise he wouldn't have a rug at all. Last year he got clipped and easy in a 200g. Just depends what you want really. He's not working this year as much so no need to clip yst
Thanks!
Depends what you use your horse for (How much hard work). And what weather and sensitive your horse is for the cold. Best of luck finding a sulotion for you!
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