How many pieces should a luxury bedding set include?

It varies: sheet sets are typically 3-4 pieces (fitted, flat, pillowcases), duvet covers are sold separately, and bed-in-a-bag bundles can run 5-9 pieces with shams, decorative pillows and a throw. Buyers wanting a coordinated hotel look often prefer the multi-piece bundles, while those building a custom setup buy the duvet cover and insert separately.