In my experience, I've used a topsheet and what I think is a comforter (big, fluffy, rectangular, hangs off bed but doesn't reach floor). I've also just used a comforter by itself. Either way the comforter covers my body and keeps me warm. And then blankets (thinner/smaller) on top for added warmth. And my understanding is that you don't put anything else on top of a comforter.
In hotels/motels, there's (what my mom referred to as) a bedspread (thinner than comforter but touches the floor, outlines the pillows and looks pretty) and under that is a blanket(?) and then a topsheet (or vice versa? It's been a minute.). But online I'm seeing them referred to as a coverlet? My mom said to NEVER use the bedspread as a blanket/comforter for sanitary reasons (like they aren't washed as often and people sit and lay on top of them before going to bed?), so I just use the top sheet and blanket to cover me.
I also always thought quilts were just blankets made with smaller patches stitched together in a pattern. Is that correct? Are they used interchangeably with blankets?
And then what even is a duvet? I thought that was just a British English for comforter?
What things go with what and where and what am I supposed to do with them? I'm just trying to sleep!