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We get no snow. The full sized horses are blanketed at under 45 degrees with a sheet or medium blanket. We rarely ever use heavy blankets, except for with our 49 and 28 year old mares. Both of them wear a sheet at under 55 degrees, due to low body fat. So really, you just need to look at all of the variables.
Normal body temperature is 99 - 101 F. A temperature higher than that, may indicate an infection. A healthy horse's temperature can vary by 3 degrees depending on environmental factors. Horses tend to have higher temperatures in warm weather and during/after exercise, stress or excitement. A high fever doesn't always indicate a severe condition, but it is a good idea to take your horse's temperature often and if you his temperature is over 102 F, you should call your veterinarian.