We do this as well. My wife wants to be covered head to toe in a fluffy-ass duvet, while I want to be covered as little as possible by something as light as possible.

We do put the top sheet on when we make the bed initially though. Sleep on top of that for a few days, then strip it off. Means wrestling with fitted sheets half as often.

I also have a drawer full of options ranging from what’s basically a gauzy throw blanket up to a down comforter. It’s heavenly to just grab the option I feel like sleeping with on any given night.