The people who have them will talk about the duvet, a very common luxury bed linen, as if everyone has one. Since that's not the case, it should be mentioned that the duvet basically replaces comforter and sheets. Because of this, don't pay too much attention to how many pieces...
The feel of the bedding you have can also affect how well you sleep. If you have cheap, itchy sheets, you are likely to not be as comfortable. Also, some of the poor bedding sets out there sound like paper as you move around in bed, which could wake up...
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