Layering that actually works
The most flexible bed has three adjustable layers: a sheet against the skin, a blanket for fine-tuning, and a comforter or duvet for bulk warmth. That structure lets you handle a 15-degree swing in bedroom temperature without buying anything new.
For couples, put the blanket on top of the duvet on one side only. It is the least dramatic solution to mismatched warmth preferences and it costs one blanket.