DH and I have separate covers. He's too tall for our bed (and we won't upgrade until we buy a house), so his feet always stick off the end and get cold. One solution is to tuck the comforter into the end of the bed, but I can't stand my feet being covered at night, so he started sleeping in his sleeping bag and I use our big comforter.

It's nice because we're not constantly playing tug of war with one big comforter, and I don't have to listen to him bitch about how cold his feet are (I know how terribly unfair that is of me to say, sorry).