Do people really sleep under blankets on nights >20C? I don't, despite the 'history of bedding'.
I keep my house at around 22c during the Winter. I'll match a light sheet with a light blanket at that point as it gets chillier randomly during the season.
I dislike air currents flowing across my skin while I'm trying to sleep, unless it's crazy hot (the central air system moving air around is enough to annoy me while I'm trying to sleep, without a cover).