If you live somewhere that gets hot, what bedding do you have for summer? Do you use a comforter?

I have a linen duvet cover and linen sheets for winter/fall (colorwise, plus my down duvet insert is very heavy). I was thinking of getting white percale sheets for spring/summer but wondering if I should get a duvet cover (and then also a lighter duvet insert) or just use a blanket on top of the sheets.

If duvet insert, what would you recommend (for a reasonable price) for summer? First spot I was looking is Costco and then also this wool insert from ikea.

These would be inspo pictures but obviously practicality wins out over looks.

https://preview.redd.it/6ujmcmvut3oe1.jpg?width=736&format=pjpg&auto=webp&s=e58f75a11b8b3f14000e1ce384efb5992807e8ac

https://preview.redd.it/lmmczcwut3oe1.jpg?width=735&format=pjpg&auto=webp&s=4002fb7bdeb363f655973a222ca1cf3de63a5c96

https://preview.redd.it/nrqfq5wut3oe1.jpg?width=735&format=pjpg&auto=webp&s=8aa9a9241b1d77238364f6dabba380698bfdc94e

https://preview.redd.it/qcw70mvut3oe1.jpg?width=312&format=pjpg&auto=webp&s=6b717acaa7cd77a43faa00199111a14f7f089f19

https://preview.redd.it/bvvnnewut3oe1.jpg?width=736&format=pjpg&auto=webp&s=353bcc580eea06059a95a43e98a2a0fc1c72da7f

https://preview.redd.it/42784nvut3oe1.jpg?width=736&format=pjpg&auto=webp&s=4dbb6b7093b0f727c45b7a5a151b0eabaf01063d