Would you need to rug a cob horse?

It depends on the cob and it depends on the winter. My horses live in California and they get turnout rugs. If you have severe winter weather where you live than it is probably a good idea to blanket him or put him in a stall during the worse of the weather. If you do decide to use a blanket you must stick with it until the spring brings milder temperatures. And it is alway a good idea to have an extra rug on hand. Especially when worn outside, horses tend to find anything at all to rip or tear their blankets on.