@Crystal192
Crystal, like you, we have hot summers, and being at altitude have cold winters and I find having a duvet (quilt or doona as we call them) a definite asset. Particularly during the cooler months it saves a great deal on heating costs. Very few guests actually run the heating during the night so having a quilt has paid for itself many times over. It makes the bed look more finished and inviting than just a blanket.
I have a number of quilt sets and I alternate with each guest, washing everything down to the mattress protector for every guest. It's only an extra couple of minutes work but it is worth it. Most of my reviews mention how good the bed was.
Go for it Crystal, you won't look back!
Cheers.........Rob