Polar bear in a cot

Its coming into winter and DD is my 1st child to be happy in the cot (during the day) but at night she like to sleep with us.
It gets cold here, day temps of 0 or below in mid winter. In the day time, when she is in her cot, how do I keep her warm? I dont feel that putting alot of blankets on her is a good idea, or a big puffy donna, but at the same time, there are only so many clothes a baby can wear. I have asked a friend to send some Mukapuna merino AIOs from NZ, I had some with DS1 and they were great but it never got so cold in NZ or AU.
She is 4 months and starting to wriggle- never been wrapped so she wont be use to that- that was my other idea, to wrap her in a thin wool blanket then have a blaket on top- would she get use to being wrapped at this age? She hated it as a NB and it was too hot then.
Im not comfortable with how the natives deal with this and I know y'all wouldnt be either.
HELP me and my little Bear please

how about a sleeping bag? there are some great ones around - all different togs - and you could use it with the merino AIOs. do you think that would be enough or does it require something extra? i found them great, but i'm in melb so whilst it can be chilly it isn't truly cold!

Im using a sleeping bag at the mo for sleeping in, both in our bed and in the cot.
Can I use a sheepskin naked in the cot underneath and blankets over the SB?

We are in London so gets cold here but houses are better insulated

We use a fitted flanalette cot sheet, long sleeve t-shirt, pj's & a 2.5 tog sleeping bag & DS sleeps well. Night time temps here atm are around 4C.

When we lived in Aus. we had an oil filled radiator in his room all night to keep it around 18C

I think that sheepskins are considered to be a SIDS risk. You might want to check that out.

Personally I wouldn't put a blanket over a sleeping bag, unless you could tuck it in super firmly. Sounds like your DD is a bit a of a wriggler, so she could kick it off.

Or consider an oil heater for the room. We got one for DS2, seeing as he was a winter bubs.

I have a 3 TOG sleeping bag, so you could look for a heavier tog.

We use sheep skins they are great when putting them back to bed thru the night after a warm feed. I felt bad that they were having to put their warm face on a cold sheet. Not sure they are a SIDS risk but so is a heater in their room. You have to look at all the risks and make the best choice for your family. Wearing wool is always warm

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We use sheep skins they are great when putting them back to bed thru the night after a warm feed. I felt bad that they were having to put their warm face on a cold sheet. Not sure they are a SIDS risk but so is a heater in their room. You have to look at all the risks and make the best choice for your family. Wearing wool is always warm

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I should have mentioned that the heater had a thermostat so the room never go warmer than 19C. I am not aware of any other SIDS risk with a heater (i.e. other than getting too warm).

I've always used blankets over the top of a sleeping bag and had no issues. On really cold nights in winter I would put my kids in a singlet, grow suit, PJ top, sleeping bag and then put a blanket over the top. Maybe a bit of an overkill, but it worked for us.

Thank you all for your input. Really apreciate it. This week has seen a temperature drop already, over night is down to 10, makes me suspect its gonna be a cold winter.
We will use a heater- thats for sure but it only takes the edge off and tends to dry out the air making it uncomfortable. I think we'll dress baby warm- a singlet, her mokapuna and pjs over that if she needs, inside her sleeping bag and a blanket on top. She will have gloves on too if needed, maybe over kill but DS1 use to get such cold hands and we can get a range of materials from cotton to wooly 1s