I’m surprised how many of you find this system/policy odd… I think it’s pretty common here in the great frozen tundra. While of course I think “ideal world” stuff means unlimited, customized changes, I’ve worked in those places, and it’s honestly a giant time suck/PITA to actually do. Not really sustainable for many facilities that have staff ratios which make boarding affordable to the average Joe. If you get unlimited changes at a bargain, cool. If not, the way the OP’s barn does it is super easy to work with.
Think of it this way: You put on your horse’s underwear, the barn dresses him over that for recess. Everyone checks the forecast… you can decide if he needs long john’s or tighty whiteys (or commando!) to be comfortable through the night. The staff checks in the morning to see if it’s a day for raincoats or parkas. At the end of the day his “jacket” comes off and he goes back to sleep in his same skivvies. Unless, of course, when you come see your horse, you decide to change his undies. Or, worst case, a “weather change” is predicted and you just can’t get there, phone a barn friend who is, get them to do the change for you, and return the favour later.
There’s really no place in the scenario for a horse to get turned out in a liner. If by chance there is a sunny day that the barn declares “Naked party for everyone outside…woot woot!” and you didn’t get the memo ahead, they could simply strip off your liner in the morning - that’s still one change.
So, with all that said (phew) on to the actual question from the OP about which blankets to use in this system. Keep in mind I love blanket shopping, especially with other people’s money (just get one - no two - of everything!). But with (some) restraint, I’d actually say: stable sheet, stable blanket (middish-weight), rainsheet (X2 ideally), and turnout blanket (exact weight depends on your stable, weather, horse, etc, but probably something like 300gm).
Two options for both “inner” and “outer” allows for differing between “a bit chilly” and “damn it’s cold”. You can even layer everything together for the odd day of “F U Polar Vortex!” (Note, 3-4 blankets isn’t ideal long term due to pressure points/rubs, but better than buying a whole new blanket for 3 days of the winter. Unless you really want that pretty giant blankie, then I’m not gonna stop you. )
I’m also a mega-proponent of 2 rainsheets if your horse spends any amount of time outside, especially with “friends” (if that’s what you call some jerk who rips your blanket). Rainsheet #2 doesn’t need to be fancy or perfect, but it can stand in for rainsheet #1 or the turnout if they are out for repairs. It can even be used as the liner if one of the dedicated ones goes missing for a wash or something.
As for actual brands/models… I haven’t found perfect yet, and what is close to such changes horse by horse. I think there are a ton of great turnout options out there, and less great sheets/stable blankets. (PS. It sounds like your last one was either too stretchy or too big in the neck hole and pulled backward…super common.) I do tend to like Horseware best in this department (both sheets and the puffers). The Bucas stable blankets seem to be great on some horses, and slip sideways horribly on others. Bakers are the worst thing, ever. Period. Ironically, some “Fakers” are fine. I’ve seen some very cool blankets get imported from Europe with the horses, but I’m not sure how hard/expensive it is to import just the blanket without the horse!
One brand I’ve never tried, but heard is good for your horse’s build, is the HUG. I could see it being a good option as one layer in this system, simply to avoid layering buckles on buckles. Oh, and on that note, it can be nice to vary where the necks sit on your various layers… ie. if some are standard neck, aim for some Euro neck, so they aren’t all sitting on the exact same spot over the withers.
Wow…who knew I had that much passion for blankets to write a graduate level thesis!?!
Good luck, have fun.