Solution - to make up the bed traditionally but continue to use the duvet in place of the blanket layer.
Now I do have to confess that when it comes to my bed I like my comfort, to me your bed should be a haven of snuggledom. My bed is over 100 years old, it is a high wooden Edwardian bed, with the original sprung metal base. We bought it off EBay for the bargainous sum of £25. We were offered the original horsehair mattress with the bed!! but I like my comfort so it does have a modern sprung mattress.
Then comes a vintage plain white cotton sheet, followed by an embellished top sheet. I also like to use vintage pillowcases.
In colder weather I then put the duvet on, but as it's warm at the moment I'm missing that out. Finally I put on one of my Durham quilts.
The embroidery on the top sheet.