I'm not a female, and I hate when guys answer for women. so having said all that, I'll answer from a guy's perspective instead... :smile:
I'm very open about sexual discussions, so chances are if I'm about to have sex with someone, all sorts of sexual DO's and DON'Ts, kinks and limits, good & bad experiences come up. Besides, I love swallowing my wife's squirt, so foreknowledge of that wouldn't only be ok, but preferable!
Now, if the moment were spontaneuos and the opportunity to sign a waiver never came up, hey, sex is supposed to be messy. If you feel self conscious, then just ask for a couple of towels as you're making your way to the bed. To me, that speaks volumes.
I think an heirloom or something precious needs to be out of any harms way, period. Not only can quilts be damaged by squirting, but also with fingernails, lubes, biting, pulling, saliva, etc. StraightDave needs to lighten up and have a modicum of preparation and awareness. The bedroom is a fucking playground, not a chapel.
Ugh. I hate it when the sex is interrupted by a public service announcement. I've done it too, and I still hate it when it's done to me. You could just do as I mentioned and just blurt out, "Fuck, we're going to need some towels!" Yeah, that's kinda hot.
EDIT: I just finished reading Donder's response and I agree with what he says too.