Start here: the bedding layer
Two separate duvets is the fix that solves the most for the least money. A lightweight summer duvet for the hot sleeper and a wool or heavier down one for the cold sleeper, side by side on the same mattress, gives each of you the right insulation without touching the bed underneath.
Add a single coverlet over both if the two-duvet look bothers you. On a king, two twin XL duvets match the halves exactly; on a queen, two twins overhang slightly, which most couples prefer to a visible gap.
- Hot sleeper: lightweight down alternative or a cotton-filled summer duvet.
- Cold sleeper: wool or a higher-fill-power down duvet.
- Percale or linen covers on both — the cover fabric matters as much as the fill.