Now you are wandering down the road of something so heavy you will suffocate under the weight.
Because you would have to line your silk to create a smooth barrier between it and the quilting.
Since you want an absolutely smooth top consider this: instead of a duvet cover create a bedspread (lined) - a bed topping over your sheets which you could pull smooth. Throw your comforter in the closet for the daytime. I have seen some modern rooms with just this sort of look, without loft on the bed.