I've had it with comforters, we're switching next year to quilt sets. The comforter on the queen bed has to be taken out to be laundered, and despite that it's 'professionally' laundered, they all eventually end up with the inside lining out of place, so there are bulges and bumps, making the comforter look terrible. We are on our 4th one in 3 years: Ralph Lauren, Nicole Miller, Tahari Home and no name brand. All have turned out the same, some have taken 2 years, some only a few washings.
I don't really like duvet covers although we have those too, they never seem to fit correctly and the bed never looks as good as it does with just a comforter set on it.
We have only had 1 comforter get stained by a guest though, the real issue is the wear and tear from the frequent laundering, which they don't seem to be constructed to withstand.