I'd lean into the cozy with plaids and stripes.

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Endless possibilities, depending on other furniture, colors, and if leaning more towards traditional or contemporary. Perhaps searching for bedrooms with tan leather beds will make your choice easier, being able to more easily narrow down a look. Cozy is easily achieved with layering.

Some option

I like every picture posted already, great ideas.

A few others I like:

It’s hard to know just seeing the bed and nothing else, but these could easily work with many other factors, I think. And of course you could mix and match many of these, not use as many pillows, etc.

I like the look of mixing styles with traditional and some clean lines. I don’t have anything else in the room except a small medium colored wood Bombay chest. It is all from scratch for the guest room. I only kept seeing brown leather beds with white linens and nothing else and wanted some darker jewel toned colors, but I did just remember that it is spring!

I like your idea of using jewel tones — always classic.

What is the wall color and flooring?

West Elm has these great quilts in jewel tone colors, you could use one as the base and bring in other colors, too, if desired. Very comfy and luxurious.

Quilts

I have copper velvet pillows on my bed from West Elm, the color is wonderful:

Pillows

That’s another idea — use neutral bedding and bring in color with pillows and other elements.

Lots of directions you could go!

The whole house is painted a cool gray. I am choosing furniture and decor before I decide on paint color. I have gotten blue stuck in my head for almost every room for a while now. But light blue in family room, navy I’m master bedroom, formal rooms and powder room - decor wise. I am leaning towards blue in this room too. It helps that I have a ton of blue curtains from our previous house!!

I do like that blue and gold.

I saw this accent pillow on Perigold just now … it would look beautiful with just about any colors you use. Pricey, but maybe Etsy, etc, has something similar if you like this design/style:

https://www.perigold.com/decor/pdp/eastern-accents-boutique-cummings-decorative-pillow-floral-rectangular-pillow-cover-insert-fssx5265.html