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Hi, Sally and welcome!
Don't worry that your cat is cold. She has a fur coat to keep her warm, and if she sleeps on the bed with you, she is also getting warmth from your body. Most cats do not like to be 'covered' and if she were uncomfortably cold, she would burrow under the covers with you or seek out a warmer place in the house to sleep, perhaps near a radiator, etc.
I hope this helped, but, please let me know if you have any other questions about your kitty being warm enough.
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Hi again, Sally.
I'm just checking in with you to see how everything is going with your furry girl. Please let me know how she's doing and if you found my answer helpful. Thank you very much!