I have discovered that we are very comfortable with one light weight polyester thermal blanket under one cotton quilt with warm and natural batting. This is for the coldest weather we encounter in Michigan's beautiful Upper Peninsula.
Mother crocheted us 100 % wool afghans some 60 years ago and they were our prized possessions summer and
winter. We've inherited a red Hudson Bay wool blanket large enough for a double bed. Since my favorite fiber is wool, I have also made single layer lap robes out of pleated Pendleton skirts. Adding satin binding to the edges of a length of wool coating or washable wool also makes a nice blanket.
Years ago, using an acrylic thermal blanket was common for the "wadding or batting" in a tied comforter. The fabric covered the economical blanket which was prone to pill and attract lint.
I think every school district in the U.P. has cancelled classes for Monday, 6 January. Stay warm!