As we cover a wide range of temps when travelling usually start off with the Darche Superdome swags
http://www.darche.com.au/swags/original_superdome.html I sleep on the stbd side and pull the swag up over the galley platform a bit to give leg room and the wife finds the port side ok.
When it's cold the swag has it's own mattress, sheets, blankets and a doona coupled with the canvas top flap it's usually ok but this year we had .03deg C in the fridge and -3.4 in the boat but the sawg wouldn't fit in the fridge.
As we hit warmer weather we just remove bits or at least push them aside and if not sure of stable temps camp on top of the swag until we are sure it's ok right through the night, the benefit of using the swags is that they can be thrown out and used on the ground away from the waters edge (crocs), also standard (in ours) is a mossie dome tent which rolls up nice and small to serve as an extra pillow.
Being self contained the bedding usually stays nice and tight even when pushing some out of the way when it gets too hot.
Really think I need a better Doona though after going through the desert country this year.
