In the winter, DH doubles up the down comforter so it's only on his side of the bed. The quilt goes over the top of it for both of us. On the occasion I start getting a bit cool at night, I have a smaller quilt that I can put over myself. That way when I wake up in the middle of the night, I can toss it off the bed without causing him any discomfort. I still toss the big quilt into the middle - which may tick off the cats!