I was just thinking, wondering if this simple idea I had would be possible:
Create a customized bed cover mesh with the covers lifted to encapsulate a sleeping, humanoid form (this would be made to mesh nicely with the vanilla single and queen-sized beds). Then create a sleeping animation to be applied to NPCs.
The covers could be setup to be "worn" by the NPC. I think t'd be easier and might be less resource intensive than to script them be an entity in the world to enable/disable.
There wouldn't be an animation for climbing into bed. The NPCs would wait until the player is no longer in the cell before moving to bed, equipping their bed covers (sounds funny), and assuming the sleeping animation. They're nervous about sleeping while watched.
The only problem I foresee is the player breaking in and attacking sleeping NPCs. Perhaps the lack of a climbing out of bed animation would be worth the trade off of seeing them sleep?
Anyone have any thoughts or input? While I am capable of making the covers mesh, and probably even the animation (if I took the time to refresh my memory), I'm not sure I'd have the time - hence why I tagged this as an idea. I'm curious if anyone wants to run with this idea, or discuss its feasibility.