Thanks for all the suggestions. I'm going to try the coverlet with the quilt on top. If I don't like that i'm going to try the matching sheet/dust ruffle idea, because I've noticed several more 'modern'-style bedroom pictures using this idea.
If that doesn't work...well I don't know...I really do hate to do more sewing...but hmmm...maybe.
Thanks for all the tips. What a great bunch of people you are.