I'll say upfront that this is the best answer in this thread.
Firstly, not too concerned about bugs. They can be wiped off, and are a minor annoyance I'm willing to deal with. Though I'll put them on my bed when it's not being used!
The main reason I'm concerned is that the blankets will always be right next to my bed, so that I can grab them and throw them off easily without moving much. So a lounging chair is off the table, since it'd be far away.
I'm thinking about getting a mat for this purpose, since while it'd still be ground, there'd be a barrier between the carpet and my blankets.