Buy a Buick Regal....seriously. Mine has dual climate control. Driver can have it cold and the passenger can crank it more toward heat.
As for the bed thing.....kick out. Give her an extra blanket and lay on top of the covers. It's not as intimate, but I'm the same way. I'm hot-blooded....she's not. Same thing with seasons. I love winter, she hates it.

Sucks though because she'll never go snowboarding with me, but at least we kind of feed off each other. When I'm miserable from hot temps, she's not....thus she cheers me up.
