we sleep with the windows open and temps here can get down to freezing.
i like the mattress warmer - be sure to turn it on 15 - 20 mins before you go to bed!  nothing like getting into a nice warm, cozy bed.
we don't use the mattress warmer since we bought a "middle weight" down comforter.  love that too.  it's light on top of us, cold when we get in, but is actually too warm when the overnight temp is > 50F.
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“Everyone should have a horse.  It is a great way to store meat without refrigeration.  Just don’t ever get on one.”
 - ponder's dad