James, given what you say about not caring about wet cum on your covers when you're almost naked you might want to try aiming the cum directly onto your body.
When cum first comes out it is warm (body temperature). I lie on my back when I cum and let it shoot onto my chest and belly and I love feeling the warmth as it lands on my skin.
Afterwards its up to you if you wipe it up with your boxers, onto your sheets or just leave it there.