If down is an issue, multiple blankets can also work. It got pretty cold here last night, and I haven't taken the comforter out of its summer storage bag yet (nor have I put the flannel sheets on yet -- I still have the regular cotton sheets on the bed). I use a regular fleece blanket on top of my thin cotton blanket during the warmer months. I put a fleece throw and the snuggie on top of the cotton blanket and regular fleece blanket last night, and I was too warm.