I am in the search for new bedding and making my bed super comfortable.

I am looking for a mattress pad at some point. But right now I am focusing on bedding. I have always used a fitted sheet, top sheet, and comforter. If I need more warmth I will add a fleece or some other blanket.

But I've been looking into duvet covers with a duvet insert. There are a lot of hypoallergenic options so that is good for me.

I've also been looking at coverlets and quilts as an option.

I can see it being nice not to have to wash a duvet insert/comforter as often since it will be covered. But my comforters tend to be small enough where washing isn't a big problem.

Do you all have a preference?
3A/B - low-normal porosity - med to coarse texture

Shampoo - GTTTT
Co-Wash - As I Am Coconut Cowash
RO - GVP Cond. Balm, Tresemme Naturals, Yes to Carrots Nourishing, AO Honeysuckle Rose
LI - Hollywood Beauty Olive Cream Headdress
DT - Hollywood Beauty Olive Cholestrol, SM Raw Shea Butter Deep Treatment
Stylers - BRHG (old formula is my HG, but the new one has silicones)

Trying out - MGA Sculpting Gel, LA Sports Gel, Got2b Spiked Gel, Got2b Glued