[muuck]

There is a third camp, never heard of a top sheet until now. I belong in this camp and am wondering what I've missed all these years.

[solarmist]

The top sheet keeps your blankets and comforters clean; its much easier to wash a sheet than a blanket.

If you buy a bedding set they usually come with two pillow cases (for queen and king sized beds or one for smaller) and a loose and fitted sheet.