Ah, I’m from Maine, too! My appy and I relocated to VA for college, though… Has she been in Maine all her life? If so, I’d assume she’s gotten a bit used to the colder winters. When do you typically blanket, unclipped? For my guy, he gets his sheet starting at 40 degrees. If I were to clip him, I would just bump it up either five (for a trace or strip) or ten (for a full body) degrees and invest in a neck cover for when it gets below freezing.
There is something about the outside of a horse that is good for the inside of a man.