My fiance solved that problem when he accidentally shot it in his mouth! When he used to pull out, if he cummed on himself, I would lick it off him if I was feeling really kinky. I thought that would turn him on, kind of like swallowing a bj. But he just insisted I brush my teeth afterwards and didn't respond positively, so I decided a towel or dirty item of clothing was easier, especially when he normally came on my stomach. That's too damn hard to lick off, especially since I'm flexible, but not Cirque de Soliel flexible.
That was years ago, and now after sex we have a special towel.
Getting cum on bedding isn't that big of a deal. Just blot it off. It will dry, and normally dries clear pretty fast. Use a tissue or towel if you don't want any on bedding.
Peace and love