I think the lap quilt is a wonderful idea. It's from a friend!
I have a king sized bed, and notice on a lot of website that sell already made bedding, a plain bedspread, with a lapsised quilt is placed on top of it, diagonally. That's what I'm going to do. A plain woven bedspread, a colorful quiilt.
Shoot, all the photos I have seem to be of someone elses work, so I'm not going to post them, because I just don't remember where I got them, but one is of 4 seasons of bed toppers. It looks like she had one for each season, winter, spring, summer, fall