@ Carol,
Comfort is subjective. Some people have higher and lower standands then others.
@ home, my room is the coldest/hottest in the house since it faces the Soutth-West (SW) corner of the house and its exposed to the sun or not daily. Older construction and minimzl insulation helps, but not alot.
So im use to the extremes and it comes with me on my trips. I did notice that sometimes the duvet was somewhat heavier/warmer than im use to sleeping at night and i would end up kicking it off the bed only to end up colder. Its just something that is more common over theere. Most of the times i can get by with a light blanket or even bed sheet since almost all of the places ive stayed at so far has been warm enough for me. In my first time in Amsterdam, i did find out why my room was so noisy all day/night it was because the window/door was open. they had those full size tiliting door/window and i didnt notice it was open. No problem sleeping other than the noise.
As far as lumpy beds, again, i havent had that problem. all of them were more comfy then may old worn out matress at home.
All i can say is that im usually so worn out after a day(s) walking/seeing/doing, i have no problem getting some sleep.
One thing i learned about sleeping in cold weather and this was when we would go camping in a tent trailer. Wear your clothes to bed if you need to. Its not as comfy as the other way, but ive found out, its warmer.
happy trails.