Like the terry cotton cover. I have two fitted sheets I think that's all you really need but every once in a while both are in the dirty on laundry day. I have found it is super comfy to sleep on as long as you have a pillow to keep your face from getting imprinted with the towel like texture. When my sheets are on the bed which is almost always I can't even tell its there. There is no bunching and so far seems to be doing it's job. I haven't spilled a glass of wine or anything yet to test it but I doubt it's getting through the polyurethane. Fits my 14" mattress and no noise or indication there's a plastic anything under there.