I hear you, last night I was so cold!
I too don’t mind near freezing temperatures. But last night was -22 C or -7F (I think I read some one posted that conversion, how lucky am I!).
I normally have 3 quilts, 1 thermal blanket, and 1 other blanket on our bed. Last night I added a double Queen sized sleeping bag and both my children crawled in with me because they were too cold as well. Then we all slept.
I love wearing layers but can’t do that with regular fall weather around here. I enjoy a slight cold. Occasionally I can appreciate ‘sucking your breath in cold.’ But I hate ‘I can’t sleep I’m so cold’ cold!
[btw, I’m in Ontario, but farther south than several Michiganders]