You should look at anti rub vests I know rugs and accessories can all get really expensive but if you buy good ones they should last.

I just took the hit and bought all my winter rugs for this year, thought I'd be organised for once and there seems to be loads of sales on at the moment. I got my horse rugs from Equestrian Outfitters UK really quick delivery and good prices so might be worth having a look there x x