When I discovered Duvets I fell in love. I remember sophomore year in college my good friend had the most amazing bed. It was set up high (required a little hop in my step), was "huge" (queen size considered luxurious back then), fluffy beyond fluffy - thanks to a pillow top mattress and down-filled mattress pad and...lastly, it was covered by a duvet and snuggly down-filled comforter. You can see why I was a bit envious as I had the tacky "sleep set in a bag" from Linens and Things.
Here are some of my "want it now" duvet covers. All available at Crate & Barrel or macys