What goes on top of your bedding is just as important as the bedding itself. It often comes as a set, so you'll need to factor in what you want to cover your sheets with to offer the best look and sleeping experience. People tend to throw around the terms 'duvet,' 'quilt,' and 'comforter' willy nilly, and it gets confusing to say the least.
Duvet
Here's where things get confusing. A duvet cover is the covering that goes over your comforter. They're usually sold in sets with matching pillow shams. However, many of these terms are used interchangeably.
The idea of a duvet is that you have a plain comforter that goes inside the duvet cover. You use the comforter repeatedly while changing out the cover. It's a great way to mix it up and change the look of your bedding more often.
A duvet is also a great option for tying your covering to your pillows, and it also makes your bedding much easier to wash. The cover comes off so you don't have the throw a giant comforter in the machine.
Comforter
A comforter is a topper that features a plush feel and appearance. It can make your bed look incredibly fluffy and welcoming. They're soft, but can be heavy, making for a cozier experience when snuggling up at night.
A plain comforter could go inside a duvet cover, but many comforters come with their own outer layer sewn on so you only have one piece. While it can eliminate the hassle of having to put a cover on what is essentially a giant pillow, it also means you're cramming the whole thing in your washing machine when it's time to do laundry.
Quilt
What springs to mind when hearing the word quilt is probably Grandma's vintage patterns in some pretty unattractive color combinations. While you have the right idea, quilts don't have to be ugly.
A quilt is simply a bed covering that's thinner than a comforter. It's not as plush, but it's also not as warm, so it's a better option for warm climates.
Typically quilts have patchwork designs, but that's only because of the way they're made. Quilts are sewn in sections and then each section is stitched together to make the final product.
It gave quilters an excellent opportunity to create elaborate designs, but you can find more modern quilts in solids or muted colors as well.