What works for us is to have a large puffy comforter in a duvet which we purchased from Ikea that covers the entire bed and looks tidy. I have 2 square quilts which I layer on top of that, one set on point. It looks pretty when made up, is actually very fast to make the bed (we don't use a top sheet since the duvet is regularly washed) and gives us each the degree of warmth we want in our own quilt.