I wouldn't do any blankets in the crib at all - maybe I am overly paranoid about SIDS because I had a sibling die but I think that's considered a no no these days. I had a January baby in New England, and I just bumped up the heat to 70 and put her in a long sleeved onesie and a fleece sleep sack or a onesie, socks and a miracle blanket/swaddler and she always seemed to be warm enough.

I swaddled my daughter for the first 6 months (she was a swaddling addict) and she sure never had any problem crying in it, ha.
I haven't got the slightest idea how to change people, but I still keep a long list of prospective candidates just in case I should ever figure it out.