you need to talk to her more, about all of you, not just the sleeplessness. if she's gonna be cold, then my advice is to find someone warm rather than deal with her by using a blanket to cope. no matter how warm that metaphorical blanket is, it won't turn someone cold into someone warm unless they want to be warmed up. so far she doesn't seem like she wants to, but you of course know her much better than i do.