If sleeping naked, just keep a nightie & dressing gown at arm's reach for emergencies.
I can't stand the noise of a fan and won't wear earplugs in case I miss my alarm and am late for work.
Also don't like the windows open while I sleep as am scared of insects. (In the past, I've often woken to moths fluttering about and have twice found a wasp in my bed.)
So here's my regime:-
Hot - vest top, duvet cover, hot water bottle filled with iced water.
Warm - t-shirt, duvet cover or light duvet.
Cool - short-sleeved nightie, light duvet.
Cold - long-sleeved nightie, hot water bottle, heavier duvet