thanks for all your cat bed suggestions.
Yes - I have lain down on it myself!
Yes - I have thought of loudly ordering her NOT to get on it.
Yes - I have covered it with the ratty old towel she normally sleeps on.
I'm now ignoring it - so she can "discover" it all by herself and defy me by lying on it!
[If that doesn't work - I'll put one of my flannel shirts over it - as a decoy!]