We met/lived-in Europe for many years and learned to love duvets - that is all we have in our house. Get hot ... kick it off, get cold ... cuddle! That said, in the TT for ease of laundry, I use the bedding clips
and attach a top sheet to the duvet. I buy the earth-tone sheets from Amazon
and they are so easy to put on the mattress (and that includes the Costco topper) then I shake-out the duvet/top-sheet on top every morning. This is what we do for our queen bed, bunks, and dinette bed, and so easy to strip for laundering. Easy-peasy-done!