Honestly, that would annoy me a lot more than seeing someone sleeping on the bed fully clothed. At least seeing someone sleeping on the bed in their clothes is plausible. Seeing someone's clothes magically beam off of them or seeing a duvet magically appear over them isn't.
Yeah, but youre not exactly gonna sit there and watch every single NPC go to bed at the same time are you? When you go into a building at night, the people are already in bed though. I dont understand why you wouldnt want something like this to improve immersion