A silk duvet is a nice option . I actually like coverlets with a blnaket for the winter.

Down comforters come in many different weights. You might want to consider checking out Warm Things. They have a variety of down fill weights.

Target and Ikea both carry lightweight duvet stuffers. Cotton duvet covers are easy to wash weekly. Some people use a lightweight washable woven coverlet over a blanket.

Duvet cover with a down blanket in it. They’re warm but not too hot. Cover is washable in any washer.

One buys a comforter cover which can be filled with any kind of comforter. Down comes in different weights and there is fake down if you don’t like real down. I love real down because it is so soft and cozy.

You don’t want to wash down quilts frequently si duvet covers are generally used as you can wash as frequently as you want. You can even make them if you are good with sewing. A good down qullt lasts for years with proper care and you can continually update your decor by changing the duvet cover.

Ive bought my quilts at The Company Store online as they have great quality as well as different selection of weights. I have a down throw for the sofa for naps.