When I lived in China, I had no heat in the apartment and it would get pretty damp in the winter time ( I lived in southwest China and although it didn't get below freezing, it was very damp and you could feel the cold more). The school that I worked for provided blankets for us, but they weren't really warm, even having two on, so I bought a heavy cotton (yes cotton) duvet that weighed maybe 6 pounds adn that kept me very warm.So, my story is, if you get a heavy cotton comforter, that should keep you plenty warm - it all depends on the weight of the comforter or quilt. Wool is also a good choice.