When I go to the cabin in the winter, it is hovering near freezing inside, when I arrive. I have flannel sheets, a down comforter, with a flannel cover and a quilt on top, plus one or 2 dogs and up to 3 cats. I put a hot water bottle in the bed too.
After the first night the cabin has warmed up, and I take the quilt off the bed, as it would be too hot to keep it on the bed.