It's about deciding how you will manage risk. The factsheet I mentioned earlier says:
"A high proportion of infants who die as a result of SIDS are found with their head covered by loose bedding. Do not use pillows or duvets and keep sheets and blankets clear of the baby’s head. There should be no items in the bed with you that could obstruct your baby’s breathing or cause them to overheat"
So if we start at the beginning, the safest possible place for safe sleep is in a cot/moses basket and not your bed. That said, bedsharing is not advised against, but it does carry and inherent risk.
Further pillows and duvets are not recommended for safety reasons. So you will find some parents who choose to get very warm, fluffy onesie PJs and lie on the bed with no pillow with the baby and bedshare.
You'll also find people who do the above but decide to use a pillow and try to keep baby away from it. They have made that decision knowing it is against recommendations but they decide to manage that risk.
You will find people that continue to use a duvet and also a pillow, but keeping them away from baby. Again this is not recommended, it is considered unsafe. But on the basis of managing risk, some parents chose this as the way forward.
From all of your posts above AzuremystBrandy, you sound quite risk adverse, like you don't want to take any risks whatsoever. In that case, if you choose to co-sleep, you should do so without using a pillow and using only blankets/sheets that you keep clear of the baby and are not left loose (so, for example, wrapped around your body)
Or, like parents do all over the world every day, you can understand the recommendations and make a judgment decision based on knowing the risks involved.
Personally, I co-slept occasionally just on bad nights with baby and when I did, I stayed using my pillow and duvet but tucked the duvet round and under me. Baby stayed further down the bed away from the pillow. Me with no top on and baby positioned to find the nipple easily.
Don't do that on my say-so though. Or anyone else's say-so. The official recommendations are on the Lullaby Trust website. You use that to inform your own decision.