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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.
You can double up on stable blankets for extra warmth on cold nights. Stable blankets should only be worn in the stall as most of them are not waterproof and in rain the horse will be soaked and cold. Stable blankets run about $120 to $150, sometimes more. Then there are the turn-out rugs. These are extra durable and should repel water pretty well. They are made for your horse to go outside in incliment weather.