Well, I bought a MLD bug bivy (all net top) a few years ago, but only used it a few times. I find I always end up just using a regular lightweight water resistant bivy with just the head having netting with the rest fabric. The all netting version just is too limiting in its use compared to a regular bivy.
The reason I carry a bivy usually isn't just for the bugs: heat retention, wind protection, bug protection, rain spray protection (under a tarp), water protection (when cowboy camping and getting caught by a passing shower or dew), and as a lightweight sleeping bag when its too hot for my quilt.
I've done the headnet to bed over a hat thing and for some situations that is all you need. But when doing a long distance hike, you can't just bring what you think you'll need like you can on a weekend trip. Having a bivy means when its too hot for my sleeping quilt, I can still be protected from bugs. If I did as you suggest (and I have done just that on occasions), I'd still have to cover up with my quilt and sweat all night. My lightweight bivy allows me to sleep with the equivalent of just a heavy sheet and still be protected from bugs.
When I hiked the PCT, I used my tarp 9 times, my bivy sack 60% of the time, just my quilt the rest of the time. Sometimes I just slept with a headnet and if the nightly temps fell, I took it off after the mosquitos left. Othertimes, I hid inside my bivy depending on temperatures (if it was too hot for quilt or just plain cold or the bugs were insanely bad since it kept them farther from my ears at night as that whining noise they make is annoying). Some nights, I had no bugs, other times, they looked like a swarm of locusts. Though I normally pick a campsite without crawling insects as I look for them before setting up, sometimes they show up anyway. Found a centipede one evening, a bunch of daddy longlegs crawling around me a few nights, and ants another. Bivies are a versatile item for the cowboy camper. My entire sleep system is built around the fact that I will cowboy camp unless its raining as I hate camp chores like setting up a shelter. Its to the point that I push my luck when most people would set a shelter up. But I get away with it more times then not, but the bivy is also extra insurance for when I lose the roll of the dice.