I finally figured out a trick that keeps me from climbing inside the duvet. Turn the duvet inside out and lay it flat on the floor with the duvet opening against the floor. Put the filler on top and attach all around. I like to attach the corners and the midway point on each side to make sure it never shifts. Then all you have to do is turn the whole thing right side out. I have found that the comforter clips at Bed Bath and Beyond hold really well.
I like to make our bed with a quilted or matelasse coverlet pulled very smooth across the bed with the duvet folded in thirds at the foot of the bed. And lots of pillows! BunsenBurner, the pearl coverlet you mentioned upthread is very nice. It’s made by Matouk which is carried at Bloomingdales and Neiman Marcus. I was able to get a different Matouk coverlet at Bloomies last week for 25% off so watch for sales.
The thing that has really changed my life is double sheeting the bed. My decorator suggested it in place of using the coverlet but of course she wanted me to buy ridiculously expensive sheets to fold back in layers. That ain’t happening!! But I did give her idea a try with normal sheets and I absolutely love how it feels. I use 2 top sheets with a thin blanket sandwiched in between. This way you never touch the blanket and just feel the wonderful sheets all around. It also means I don’t have to launder the blanket nearly as often.