My MIL taught me to use sheets inside of tied quilts. She has always used them.
I made 6 tied quilts with sheets. The first quilt I had ever made I made for my DH. He loves to wrap himself up in it. I have washed it and washed it. There is not a rip in it. It has not shrunk or puckered even though it is all cotton.
If my first quilt can hold up to all of that and you like a quilt that is warm in the winter (it gets really cold here) and cool in the summer, this is the quilt for you.