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?
3b | low-normal porosity (still confused, definitely not high porosity) | med to coarse texture

Co-Wash: most any silicone free V05 or Suave | RO: GVP Cond. Balm, GVP Joico K Pak, Tresemme Naturals Moisutrizing Cond., SheaMoisture Shea Butter Restorative Cond. | LI: one of my rinse outs | DT: one of my rinse outs with oil | Stylers: BRHG