Hey thanks guys… yeahp I hope Gun does well. Tough market to sell on cowboy stuff, but time will tell.
chris - thanks… yeah hes a little cut. I used that book in tandem with as many real world images as I could get. What i was attempting was to imagine these horses without hair.
If I choose to take this piece further, this would be considered the base layer (thinking of it in Photoshop terms… almost like painting a texture) of the horse… then overlayed on top of that, would be the hair. That book I mentioned has a chart which shows the exact flow of growth for horse hair (amazing book!).
I suppose my reasoning behind this methodology is, even though this is not for any studio but is personal work, would be to have the option to get a few different horses out of this one mesh. One overlay of hair could be extremely short, which would show off the horse muscles… whereas the extreme opposite could be real shaggy, in which case these muscle groups would serve as macro-forms to grab light and show a less defined form. I think thats just my process due to having worked in games… most bang for the buck.
Truth be told, I was hardpressed to even add any veins into this base mesh… was considering doing that as an overlay to the normal map as well… but I was feeling a little crazy 
So adding that layer of fur, I feel would make this horse look like how most of you are envisioning.
Thanks guys…