There was another thread here recently, discussing the temperature at which people keep their houses. The answers surprised me, and caused me to picture those who posted shuffling around their houses in shorts, tank tops and flip-flops, as the snow pounds against the window. As dunster said, the climate doesn't matter, the temperature of the young lady's housing does. (When I was in college we left our windows open all winter, the dorm was so overheated.) An "ordinary" quilt with cotton front and back, and cotton batting is pretty darn warm.