In your shoes, I would just go buy a second hand white or light colored sheet and use it as batting so that you have some definition of your quilting, and not roast your poor DH. I live in North Central Oregon, where winters can be very cold, and electricity goes out at least once a year due to storms, but I sleep with nothing over me because I can't cool myself when asleep. Just me and my cotton knit Jammie's and most nights I am still too warm, even sleeping in front of a big fan, with the house temp set at 68!