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How to dress warmly for horse riding
Prepare a thermal t-shirt or long sleeve top-sometimes called a skin.
These are very handy, but are optional, as they can be expensive. If you do not have a skin, just wear a fitted t-shirt as your first layer.
Put on some thick jodhpurs, maybe even two pairs of them. You need to keep your legs warm and moving so that the horse is still responsive to your aids.