I typically make a couple extra blocks for my scrap quilts, lately I'm putting things like that on the back, but I've made a lot of coordinated dog blankets. We've still had a couple of quilts eaten by recent pets... for some reason they seem to do it more on the big bed than the water bed. Plus, unlike you I do rather like having a bit extra on my feet.
We don't know who is responsible, but just this morning he found a pair of his denim shorts out in the yard with a hole chewed in it...
I do have a lot of pillows on my waterbed but they all stay on. 2 pillows is insufficient for my pillowing needs.