Two sets for spring/summer and two thermal sets for fall/winter is enough (or just three sets if seasonal weather is mild). Don't skimp as cheap sets won't hold up for more than a year. Higher thread count = more durable/comfy. Avoid 'microfiber'. Linen sheets are awesome but you will pay dearly for them.
A typical sheet "set" is simply a "fitted sheet" (which encloses the mattress) and a "flat sheet" (the one that you sleep under so as to avoid sweating up the actual blankets that are a pain to wash). Some sets come with matching pillowcases.
Duvets are simply comforters (often weighted) with a removable cover that can be washed (easily) by itself rather than having to deal with the whole thing. They are superior to an ordinary comforter in every conceivable way!
A typical sheet "set" is simply a "fitted sheet" (which encloses the mattress) and a "flat sheet" (the one that you sleep under so as to avoid sweating up the actual blankets that are a pain to wash). Some sets come with matching pillowcases.
Duvets are simply comforters (often weighted) with a removable cover that can be washed (easily) by itself rather than having to deal with the whole thing. They are superior to an ordinary comforter in every conceivable way!