I am wanting to make a quilt for our anniversary year (this year-25 years) But hubby and both LOVE the down filled comforters. I am wondering if anyone has ever made a quilt or quilt top and used it as a duvet cover?

If so please tell me how you did it. Or how you would do it.

I am not sure if I need to make the quilt and finish it as normal then add a second loose backing (like a sheet or other fabric) to slip in the the duvet ---OR---just make the top of the quilt and slip in the down comforter?

I am needing some suggestions here please.

Thanks ladies! :)
LaQuita