If there are times when it is hot at night, then a very light one would be more comfortable. A cotton blend might be a good choice. If you have to be prepared for either hot or cold weather, having two or more bedspreads is the best way to go....
The people who have them will talk about the duvet, a very common luxury bed linen, as if everyone has one. Since that's not the case, it should be mentioned that the duvet basically replaces comforter and sheets. Because of this, don't pay too much attention to how many pieces...
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