Mud Season.
This is the season where it's still cold and miserable, you may have wet snow, freezing rain, and every inch of ground your horses have access to has been turned into a slimy disgusting mass of muck.
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Don't let those innocent faces fool you. They will stomp back and forth through puddles until it is a knee deep boot stealing morass of doom.
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Some treat it like makeup, smearing it on faces and cheeks. (Symphony is hiding so you can't see her mud mask)
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A. Blanket them, so that at least the part where the saddle goes doesn't have to be chiseled free.
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B. Buy a dirt colored horse. I like B best.