You can add Rowdy to the list of babies that sleep completely under the covers - and he's still alive and well. In fact, he sometimes sleeps under a pillow we keep on the bed just for him.
A while back we couldn't find him and he was completely underneath my pillow!!!

Of course, I couldn't let him stay there, I'm pretty sure he WOULD suffocate with my big fat head on the pillow on top of him. So.....we had to put an extra pillow on the top of the covers in the middle of the bed (thank goodness we have a king sized bed!) so that Rowdy can get under it if he takes a notion - which he does for at least, part of every night.
Tell your hubby that Dreama is completely normal!