Wow, what a truly interesting post! I know this is an old thread, but I appreciated reading everyone's suggestions about bed linens. I don't know if it's poor form to chime in 4 years late (lol), so forgive me if reviving this thread is annoying.
I have his & hers blankets & comforters on my personal bed. I don't know how other couples manage without this arrangement!
All of my guests' beds have a top sheet, inexpensive woven cotton blanket ($40 @Targé, still look great after 6 years!), and duvet with duvet cover OR a thin quilted bedspread, depending on the season. Each room also has a spare blanket. I like having the choice between a blanket & a duvet, and I think my guests do, too. 2 blankets fit into one load of laundry, so it's not too much extra work. We're in a hot & humid climate and duvets would be impractical when the temp is over 100F. If you feel duvet covers are a hassle, look for ones that have ties inside the corners to secure them to the duvet, or sew some ties into the corners if you're handy with a needle & thread.
Side note: no roses or lace to be found at our B&B. Most of my sheets have a paisley or geometric pattern, while the blankets, duvets, & spreads are solid colors (tho the quilting provides a subtle pattern). The way I look at it, I want my linens to look crisp & clean, and I want all of my guests to feel cozy. The guys I know do not like roses and lace, and my guests have commented that they like that the rooms don't "look like grandma's house".