Our bed is in an open loft apartment but can only be seen if a guest uses the restroom. That being said, we do straighten the bed covers each morning and pull up a light bedspread but only pull up the duvet when we have company. We have 4 cats that like to sleep on the bed and this reduces the amount of fur and the bedspread is easier to wash than a large duvet.
One of the cats (I'm looking at you, Boris) also likes to rub his face on textiles and then bite down and rip holes. Better that the cheapy bed spread looks like swiss cheese, than the duvet or the sheets. I wouldn't dare risk a quilt. Boris also insures we don't leave clothes or towels on the floor. We're tidier, despite the fur, with him in our life. : )