Winter duvet or All seasons duvet for a Melbourne home?

Hi all,

Just about to spend $$ on a new goose down duvet.

For people who bought one, which one did you get and is it enough for a Melbourne winter?

I'm tossing between a winter weight duvet (13.5 Tog) or an All seasons duvet (10 Tog).

I would love to hear from people who bought one. Especially wondering if an All seasons one would be enough if our bedroom doesn't go below 6c degrees on the coldest night.

Thanks