After a day of hiking, do you get into a sleeping bag liner before pulling on your top quilt? Is there an alternative to keep the hammock and/or the top quilt from becoming greasy or dirty over time?

In particular, I was thinking of getting a lighter top quilt (i sleep hot, but I also live on the frozen tundra up north) and using a warmer liner to provide added warmth in the spring/fall. Does anyone have advice or tips in this regard?