I agree with Eva's answers to your questions. With regard to removing a rug, whilst most horses won't mind, a few horses object to a rug being hauled off their backs. I usually fold the front half over the back half whilst still on the horse and pull it off gently from there. It's easier in the respect that it's then neatly folded to put on the stable door, trying to fold a heavy stable rug on the ground is not easy!