@Debra300
Yes, definitely location/climate will determine what bedding you supply, but also the nationality of the guests. I find this can really make a difference, especially in the Winter months. Besides that, people seem to vary a lot in their preferences for temperature when sleeping.
So, I just provide everything. That means a variety of different types of pillows, the duvet and a thinner/lighter quilt (plus extra duvet in the wardrobe if needed).
I also realised shortly after I started hosting that American guests expect a top sheet, which is not something that is common here outside of hotels and boarding schools! So, when I have an American guest coming, I include that as well.
There is a lovely American guest whom I've hosted three times already and who will hopefully visit again sometime. When she first arrived, she had come straight from another Airbnb in London. I asked her how it was. She said it was lovely, but frowned at the same time. I asked what was wrong and she said there was no top sheet. She could find no other fault with the listing, but that one missing item (deemed essential by her) really coloured her opinion of the place.
Oh dear. I had not put one on her bed, but I quickly remedied that!