I have the perfect cat. She's 16, and we've been together through it all.
She starts out the night curled up next to me, purring and cuddling. Then, after she sleeps there for awhile, some time in the night she moves over to her cat bed which is on a chair next to my bed. This is the perfect solution, because then if she wakes during the night for a bath, etc, she doesn't wake me up with all the movement.
I have a very soft, warm sweater in her bed as a liner, and if I wake up in the night, I will take both sleeves of the sweater and fold them over her so she is all tucked in and toasty. She loves this, and I'll wake up the next morning and she will still be all tucked in, sound asleep.
"The best rides are the ones where you bite off much more than you can chew, and live through it." ~ Doug Bradbury