I used to all the time, neat and tidy, but some years back, on my own and the only one that would see it either way, I stopped. I now only make it all the way up when I put clean sheets on.
You will know I am mental when I tell you that a ruffled bed looks inviting to me, so it doesn't bother me at all !
It made me laugh to type that.
haha well, whatever works for you, eh?