I have a queen size bed and also use a king sized comforter because it is tall. In the summer I use a much thinner quilt. I have to have two pillows on the bed because one of my doggies likes to sleep on a pillow. If I don’t give her own pillow, I wake up and we are sharing mine, which means I am mostly off my pillow while she enjoys it.
Comforter in winter, light blanket in summer. Flat sheet under that, fitted sheet on the mattress. Pillows in pillow cases, both covered by a single "body pillow" which exactly fits across the bed.
I pull the flat sheet up to the pillows then fluff up the pillows. Next I pull up the comforter and straighten it and tuck it in the base of the bed along with the flat sheet.
I leave the pillows on top. Tucking them in does nothing for me. I don't use a bedspread because I have a Hudson's Bay wool blanket on each bed, and I get pleasure out of seeing them. That makes it worthwhile to do a semi making of the beds.
Hotel style for me. Fitted and flat sheet, lightweight cotton blanket on top of that.
Bedspread next and a duvet folded in thirds across the bottom of the bed. Sleep pillows propped against the headboard, shams matching the bedspread propped against the pillows, then 4 decorative cushions in a line, alternating patterns, followed by a complementary patterned smaller cushion in front.
Oh. And I “chop” the 4 decorative cushions for added effect.