During the winter months we we keep the thermostat around 64, I put a down comforter on my bed. Right now I have that plus two home made quilts, and that seems to keep things plenty warn.
I've had plenty of store bought bedding items that keep me way too warm as they have as they don't breath
I have found the the best way for me to stay warm in bed is to put on socks (anklets, actually). If my feet are warm the rest will be fine, but if they get chilled I can't sleep.