Thanks, everyone.
I think the "hard stop" is the only way forward.
Perhaps in 6 months we can return to the occasional expensive bottle of red at the weekend, we shall see.
The first priority is go get Caroline back in the saddle and pain free.
I must admit, I'm enjoying the company of the horse every day, and the exercise. But whoever designed horse rugs needs horse whipping, there has to be a better way of hitting and securing the damn things!
It makes putting a Morgan hood up a doddle.