I considered getting a wool filled duvet at one point. I ended up getting a polyester fill duvet with a duvet cover. (We call the actual comforter the duvet ). I purchased a down filled blanket. Yes they really labelled it a blanket. I only have a problem with cool sheets for my feet which are usually cold. I use a "Magic Bag" (oatmeal filled/heat in microwave) for my feet. I like the fact that it cools down and doesn't add heat all night. Gotta love night sweats. I have a flannel sheets just loose on top of me. If I get too hot I can pull it out and toss it aside. It is just a flat single.