My cobs are VERY fluffy now, fluffier than last year so, they are either preparing for an horrendous winter or, just remembering last year! I have a TB here I am looking after as his mum has just had a baby, he is in a rainsheet but is the fluffiest I have ever seen him, am keeping him minimally rugged so he will grow a good coat, he'll only get a heavier rug when he absolutely needs it.