I like cotton quilts way better than fleece. The fleece seems warmer at first.....but it gets cooler later....I think it has to do wtih the moisture that our bodies give off. Cotton just seems to start out a bit cool....but then it warms up. I usually have two homemade quilts on my bed during the winter except when it is twenty below and there is a good wind. Then I pile on another one. I live in northern minnesota. Of course I love flannel ones in winter too.