First you have to decide if your goal is to ride your horse through the cold, raw weather or simply be a passenger. On the days that actual riding is the goal you have to have the right breeches. Otherwise you're too cold and numb to feel what is happening or you have on so many layers that your horse feels like some generic blob that you're simply trying not to bounce off of... To find the right balance I rely on Kerrits Apparel. All of the fleece lined breeches are amazing! And the Pro Fleece Cross-Over comes in tan so it's my secret for staying comfortable on those cold and rainy competition days.