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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.
Definitely blanket at anything under 36 degrees, especially if your horse doesn't have a very good winter coat. We clip our minis in March, only because temperatures by then are already in the 70s and they quickly get too hot. The horses are not clipped until April.