Most of the time both of my dogs sleep with us. Usually Zoee stays at the end of the bed and sometimes they will lay in the absent person's spot. I go to bed way before Bruce and get up way before he does. I've never noticed the "dog smell" too bad. Maybe because I'm in California. But in the winter I put just a plain white sheet over the comforter. Its much easier to wash (or bleach if necessary) the sheet than washing the comforter all the time.
I know when Zoee got skunked she was NOT allowed to sleep with us. It was sad, but she knew she wasn't allowed. After about 6 months she was finally able to get on the bed again.

Another suggestion would be to have a couple blankets that way you can rotate them while your washing them. And don't allow her to sleep on the sheets at all. Bruce gets mad when he sees Zoee on his pillow. But she does it after I fall asleep. And I've gone in the room in the morning and found her laying with her head on my pillow several times too. Again, I've not noticed a dog smell from them. Surprising since Zoee has the double coat too.