My dh and I have one down comforter for each of us, so making the bed is kind of hard. Sometimes I will smooth out my side but leave his however. We don't use a top sheet. I used to have a made bed with top sheet and everything arranged for me. I guess I don't move too much when I sleep and it was so nice to wake up in the morning and just flip the covers back up and have a made bed. I hate it when the top sheet comes loose from the bottom when I am sleeping - I get so confused and annoyed by it. My dh hates the top sheet to be tucked in and will purposely pull it out from the bottom. We finally realized after 5 years of one or the other of us being annoyed by the arrangement of the top sheet that we just wouldn't have one. It's much better now. And I don't know how we figured out about the separate comforters, but that is so nice too because we don't pull the blankets off each other in the night.
"Any idiot can face a crisis; it is this day-to-day living that wears you out." -Anton Chekhov