@Katherine347 Over half the world does not sleep between a bottom and top sheet. I think you are going to have to change since your guests won't. Can you imagine teaching a 50-year old how to use a bed? I know that you don't want to change the way you make up your bed, but I just think you are spitting into the wind.
I will also mention that even if your guests do sleep between the sheet, how do you know that their luggage which has rested on dirty, public sidewalks or their shoes haven't been all over that bedspread?
I am in the "absolutely" everything that their naked bodies and possessions could dirty needs to be washed between every single guest.