IKEA has duvets with varying levels of warmth.

Just get a quilt.

https://www.quince.com/home/new-pdp-wip-organic-cotton-hand-stitched-quilt-set?color=stone&tracker=collection_page__%2Fhome%2Fquilts-and-coverlets__All%20Products__13

Or:


https://www.thecompanystore.com/company-cotton-voile-lightweight-quilt/C3A3.html?dwvar_C3A3_color=WHITE

Have and like them both

Recommend your lightest possible bedspread / duvet. What you see on top of the bed.
We have weighted blankets we like for underneath but we need a cover
1) for me because I get so cold and I just need another layer
2) to cover the separate weighted blankets

We have one now, but it’s too heavy. Great for my cold needs, but too much for DH, and just annoying to remake across the whole bed. We also don’t like the style of it anymore. White or very light neutral is perfect.