Many years ago I saw a bedspread quilt, that had been made to fit the bed it was on. Instead of a pillow tuck, the quilter had added a second layer of quilted "fabric" at the head area (approx. 24" x width of quilt) before the binding was done, so that to make the bed, you just pulled the quilt up into place, then lifted the second layer and slide the pillows under it, then smooth it over the pillows, (it extended a couple inches past the pillow edges.) I loved the look and the idea, and some day I will have developed the skill to do the same. What I liked best was the extra layer forms an extra layer of warm at the shoulders as you sleep under it.