Depends on there coat, one of my border collie has 5" chest hair (yes i measured it) and doesnt give a crap about the snow, except for when it balls up in his fur and you have to break them up. Another collie.... well i had 3 coats on him and he was still shivering, i was wearing 6 layers and i was bloody cold. (Working on a ski field)
Generally i'd go with if you were outside in a base layer and a tee shirt would you put another layer on? Packing blankets from the warehouse are cheap
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