Sandi, that sounds like an awful setup. Some engineer figured it would be OK as long as he could fit it all in!
We need to get after these RV designers and give them a piece or two of our collective minds. They design things so they look good and work mechanically, but a lot of the time, it does not really work practically, hence we end up struggling doing simple, everyday things.
And Beth, when you buy a coverlet, make sure it is 100% cotton and open the plastic bag it comes in to actually feel it. Mine is lightweight, so it works for warmer climates, and then I toss on the down throw when I need it for colder nights. And because I still have small hot flashes, I spend most of the night tossing it on and then off.