I have always slept under a quilt. Once the grandmother-made quilts were worn out, the first one I made was for my own bed. I only have time to make one large quilt a year, if I'm lucky. After I made a few gift quilts for family, I now need another new quilt for my bed! Lesson learned: don't waste time on complicated quilts that get heavy use.
I would love to have a rotating supply of quilts for each bed in our house. Maybe when I retire I'll have time for that and more gift and charity quilts.