Ever since DH & I got married we've always used a top sheet. We don't tuck it each morning (we probably don't make the bed each day like it "should" be done). All we do to make the bed is just pull the sheet & quilt up so it's all straight. It does keep the quilt so much cleaner and we only have to change the quilt cover every couple of months instead of with every sheet change. I also find it better having a top sheet as the weather is warming up because you can kick the quilt off if you need to or easily pull it up if it gets cool during the night.