My Hubby is the cover thief here. So this is what I came up with. He has a king size blanket folded in half that he uses. If he gets colder , then he uses a fake fur throw over it. I use a queen size flat sheet and a king size blanket unfolded. Sometimes I am so hot due to our bedroom facing west, it heats up from afternoon sun. We really miss the 3 trunked red cedar that used to block the sun. Hurricane Jeanne took it out. When the room is hot I roll the blanket down to the foot of the bed and use the sheet only. Then when it has cooled down in the room or until I get chilled, then I reach down and grab my blanket. This works for us so we aren't changing it.