Also for cold hands, total newbies can alter their circulation by visualization/meditation. I imagine red energy pulsing through my arms to my fingertips. You don't have to have a meditation practice or experience to be able to do this. In research, volunteers were able to raise their skin temperature on the first try!
One year, DH bought me a reindeer hide for Christmas. Instead of wrapping it, he waited until I was asleep and draped it over me in bed. That night, I kept dreaming I was in really hot places, like Death Valley. I finally woke up enough to try to push blankets off, and my hands encountered the fur; what a shock! DH had been sleeping lightly because he wanted to see my reaction, lol.I ordered a whole leather hide during the summer because it will just fit over the queen bed. It goes over the blankets to keep all the warm air in.
I did the same! A cheap microfiber blanket from IKEA can do a very good job!Ditch your top sheet. I use a thin microfiber blanket instead during winter. Makes a huge difference on warmth.
Mom complained so much about a cold bed until I convinced her to try without the top sheet. She doesn't use it either now. Her sheets are cotton and cotton will wick away heat. So it's great for summer. I have both cotton and linen sheets. Linen top sheet is also too cool for winter.