I made my mom a wall hanging that she used as a table topper for her coffee table. She never covered it and had a candle accident on it (LOL- wax dripped). She still talks about how much she liked the quilt and wished she didn't get wax on it. I can't remember where the wax spot is so I suppose she could cover it up, but she doesn't use it anymore at all...
So the moral of my story is be careful with well used/ well loved table toppers.