Anyone else finding their summer duvet far too hot?

I just sleep on top of the duvet for most of the night - it's a 4.5 - and then get under it if I get chilly in the early morning. I note the poster wants some sort of cover - I used to feel like that - but soon got used to sleeping without any.

2.5 tog for me! My higher togs are feather & down, but the 2.5 is manmade - light as a feather.

Not sure just a sheet or duvet cover would be quite enough for dh, who will only sleep in the buff all year round.
Might just go mad and get the bus to JL later.
On holiday recently at a relative's place in France, we slept under a feather-light duvet - it was lovely. Couldn't see a tog rating on it, or what it was made of, though.

Using the cover on its own is cooler, I find. However, we're getting warmer weather generally these days so it won't be a waste of money if you buy a lighter quilt. Hopefully you will be able to use it for many future years!

Or just take the duvet out and use the cover on its own?

No problem here.
How about a sheet?