You don't think it's rude and quite a jump from stated information to imply that someone who doesn't like a top sheet is lacking in hygiene?
Teen boys don't tend to love to fuss with bedding and room decor. I've got 4 of them currently, so I do feel like something of an authority on the subject. Their bathing habits do not correlate with the state of their rooms or beds.
I wash quilts often with no ill effects. They're really quite sturdy.