I just learned something. You can have two cloth objects in one simulation, and they can interact with each other, and each can have different settings.

I'm doing the sheet and comforter simultaneously now. It's working great.

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Renderosity forum reply notifications are wonky. If I read a follow-up in a thread, but I don't myself reply, then notifications no longer happen AT ALL on that thread. So if I seem to be ignoring a question, that's why. (Updated September 23, 2019)