Thanks for the welcome guys.
I have a horse story...
My first horse ride was in MN, cold and snowing. A friend of mine worked at a stable so he thought he picked and easy going mare for me. I didn't get 10 steps out of the stable before she slipped on the ice, feet went out from under her sideways, and landed on top of me. I was ok but horse was spooked so we got another. Proceeded to ride through the snow to our favorite watering hole and back, had some Canadian Club in a saddle bag too. That was our heater, ha!