Thankfully your DH folded down the covers. We just crawl in. In my youth I had a nasty experience while staying in central America, of a gigantic cat jumped on my tummy in the middle of the night, waking me up to him slurping down a gigantic rat. The rats hiny, wiggling tail and hind feet hanging out of the cat's mouth, all surrounded by blood will stay in my mind forever.
So where is that lizard?