That raises a question.
What does the typical American in cold weather places use as bedding?
Many, many years ago, in the UK we had a sheet, then blankets the number of which were determined by how cold it was (this was pre-central heating in most homes), then an 'eiderdown'*, finally topped with a bedspread often made from candlewick.
*a quilt, originally stuffed with down from an eider duck, but the cheap ones had duck feathers. It fit from the bottom edge of the pillow to the bottom of the bed, and exactly edge to edge sideways. There was no overhang over the edges of the bed.
In the early 1970s the continental quilt or duvet was introduced to the UK and that's what almost everyone uses nowadays. We have 4 (1 tog, 4.5 tog. 7.5 tog and 9 tog) depending on the season. The 1 tog is the most difficult to get inside the cover as it's the thinnest. I cannot get the cover on that one without pegs. The 4.5 tog isn't too bad, I have to resort to pegs around half the time.