I to am from Wisconsin, down in a low valley area. We are always a tad colder then normal areas. We have the heat shut off in our bedroom (as we like to sleep when it is cold) and seriously the temp is normally 58. We have just one quilt on our bed and a very thin blanket. The quilt is made with poly fill and tied.. the one made with W & N..and LAQ...we freeze. So that one is now used in the guest bedroom (as that room is heated) and 66 in there at night. Our son and his wife are always warm.