I definitely think every dinner deserves a place setting. Even if it is just me, I set the table (the coffee table). For years, I've lived with the placemats, napkins, and coasters from denby that perfectly match my denby dinner plates, but recently I've started collecting pieces that just make me happy. It really doesn't cost that much to buy one or two place settings of anything.
I keep my placemats in the top drawer...open pick one! I keep my napkins in the second drawer...open pick one! I keep the napkin rings in the third drawer...open pick one!