I sleep with one or more quilts until it gets too cold, and then I switch to a down comforter. I wouldn't want to have a quilt on top of the comforter when I'm sleeping, because one of the nicest things about the down is that it's so lightweight. I don't know if a quilt on top would change the warming power of the comforter because I haven't tried it. But if the comforter were in a guest room, I would put a quilt on top and take it off when the bed is in use. And you're right - a quilt is prettier!