The flat surface of a bed does not lend itself to the contours of the human body. I know you can get such things as a memory mattress or a memory topper to put over the existing mattress, but I cannot see how these can work if you are constantly changing your position while you sleep. They would not keep up with my tossing and turning, the memory bit would have to be re programmed every week.
So I need to introduce some lumps and bumps into my bed, this is a much cheaper alternative as long as you already have the necessary components.
Step 1, put a sheet on first, you could skip this if you don't have a sheet as it is not really necessary.
Step 2, you need a fluffed up feather duvet in a cover on next, any old cover would do.
Step 7, finish off with a throw. If you don't have pets on the bed you could possibly manage without this, but put the top duvet in a pretty cover.
To sum up, this is the basic recipe, you can adjust it to use whatever ingredients you have to hand. Feather duvets are best, it makes a cosier nest, but fibre ones will also do the job. Don't think you will have to do a lot more washing, you only need to wash the covers which are next to your body, the others can be washed maybe once a month. I have been sleeping in my nest for a few weeks now, it is so lovely I don't want to get out in the morning. Think of the electricity I am saving by not having an electric blanket. Are you going to have a go at making your own nest? Of course you will be a lot warmer if you don't take all your clothes off at night, ha ha :-)