i understand this question - being from the north we always had quilts on our beds. i now live in the south and STILL have quilts on all the beds - year round actually. we use AC in the summer and use them, no AC in the winter but it does get chilly in the winter. we have several in our family room just to keep on hand for while we watch TV - after being in the pool all day we are cool in the evenings and need something to keep us warm.