I'll put in another vote for an electric bed warmer - I've had one for years, and hate to sleep without it. As for the quilt, I would use wool, and do a double layer on your side. The difference in thickness won't be visible, and wool is a great material for adapting to individual heat needs.
Separate quilts also sounds like a good idea. If each one had a border on three sides, but not the side that's up the middle of the bed, it would look very much like a single quilt.