Rich, I've not seen pics of her for a bit, but she's really grown up and she's got such a pretty face.
How old is Saffie now? If I remember rightly she's a tad older than Barney so is she about 7 months?
No, its not a winter coat. Her puppy fluff looks as if it may be ready to be stripped out, if not it might be in a month or two. Have you had a go to see if its ready? Her top knot looks like its ready for taming.
It seems to differ from pup to pup when they are ready to be stripped, Barney seemed to be ready about a month ago which is fairly early from what I can gather. Try weaving a rubber band through a comb, then run in through her coat. If it brings out hair then some of her puppy coat if not all is ready to come out.
I'll happily pass on to you what I learnt at the workshop, you're not far from me, so drop me a PM. I loved doing Barney, I'm even looking forward to his coat growing again!
Maybe I've found myself a new hobby.