here in the Harbour City, I'm wearing summer gear & carrying my light down jacket which I wear home most evenings when get back 8ish), & still sleeping under my down quilt, still need a bit of warmth at nights, tho sometimes I'm a tad warm when I wake. As it gets warmer I remove the quilt & sleep under a fine wool shawl, then eventually just the sheet. Mid winter I have a thin blanket & a shawl or 2 over the quilt.