I've had "guess culture" people stay over. Really, in my mind they don't even need to ask. They're already welcome to take an extra blanket. But they won't even ask, and they certainly wouldn't presume. They are indeed waiting on me to say "oh, if you're warm the fan can be plugged in, and there's some extra blankets in the closet if you want". Though in my mind, I don't need to say that. And if I don't say it they may go very uncomfortable.
I'm most used to giving such reassurances to children, and to give them to adults seems a little infantilizing. But that's my relatively "ask culture" background in action, probably.