If it gets hot in the summer where you are, I wouldn't want to sleep under a wool blanket. That'd be even hotter. And even though the blankets are advertised as washable, I think the manufacturers are thinking that they'd get washed 3-4 times a year, not weekly. So I'm not sure how well they'd stand up to weekly washing and drying. You could try a thin cotton blanket inside the duvet cover. You could encase the blanket if you wanted to avoid washing it every week. You could easily just safety pin it to the corners of the cover if it shifts around too much. But some cotton blankets are very loosely woven, and again, I'd worry about washing them weekly. So I'd get one with a fairly tight weave that wouldn't stretch out too much. How much it will shift around has a lot to do with how "slippery" the duvet cover fabric is, and how "slippery" the fabric of the blanket is. A sateen weave is going to be a lot more slippery than regular woven fabric, for example. There are a lot of nice-looking cotton blankets that could easily work as both blanket and bedspread. A top sheet and cotton blanket might be the best combo for you. Or try just a flat top sheet under the duvet cover. That would give you three layers of fabric over you--and the air between the layers would help to trap your body heat to keep you warm enough. And if you get too hot, you can take the duvet cover off the bed and just use the top sheet. Quilts are lovely, but again, I don't think most of them are designed to hold up to weekly hot water washing. I have pretty much the same allergy problems, and in the summer, I have a top sheet and cotton blanket on the bed, and use an old embroidered linen tablecloth as a bedspread. They can all be easily machine washed and dried weekly.

Thanks for the suggestions! They are beautiful sets but a tad too formal and Trinity is right, I need cotton, silk, linen-- something natural. I admit that the Lyon set I like is also formalish-- but it is all natural and I would use the duvet cover and shams along with white shams and a white skirt. That still may be a tad formal for me. I did stop at Tuesday Morning today (no Home Goods here) and saw some BEAUTIFUL sferra sheets and matelasse quilts. I had seen their sheets before but never their quilts. Wow-- the quality is about 3 notches above any other matelasse I've ever had. Unfortunately none were the right color or size but I'll stop back again in a few days. Thank you all so much for your recommendations. It always amazes me how quickly everyone pitches in to help another here.

I don't know what happened in your case but I have kept night crawlers in the same kind of bedding all summer many times. The bedding needs to be kept moist (not wet) and cool. Also don't over crowd it. I keep mine in an old refrigerator. I think most worm bedding is made partially from ground up newspaper with probably other things added. I always spread mine on my garden when I'm done with it.

I can't really see what's going on, so I have questions.. Is the gray bit the foundation? If so, do you have to have it? If it's a queen size comforter, can you bump up to a king? Basically you need more comforter to cover the foundation (also get one same color fitted sheet as your comforter and cover the foundation with it...for a start)