Blankets
look here www.sharecg.com/v/30970/Poser/CIRCLE-BED

Its a round bed with a sheet, that sits above the bed. You place your character between the bed and the sheet and run thru the cloth room. I found it two days ago. It would appear using the hi-res poser square primitive prop that comes with poser and scaling to fit a bed should do the same thing. Lots of free textures. Granted I have not gotten around to trying that myself. But I see no reason it should not work.

FYI the bed and sheet are free

Gary

"Those who lose themselves in a passion lose less than those who lose their passion"