I have been thinking about the same thing! My DD is 4.5 months and sleeps between my husband and I.

So far I have her sleeping on top of our blankets in a grobag and use a thin cotton wrap to stop her from hitting herself or scratching her face when she gets hungry. I have also started putting her to sleep during the day unwrapped so that I can eventually just use the grobag - it seems to be working.

I figured I would just dress her in the same layers as me, so if I ever go to bed in just my underwear so would she