We have a very very old rustic pine table and I always use a table cloth as when we first had it MzOops put a saucepan on it straight from the cooker and burnt it.
When the GCs were staying with us ( they stayed a lot) I bought a waterproof one, with a fleecy back, it’s on the table at the moment as my preferred one is in the wash, they always loved to see ‘their’ table cloth and used we when painting and gluing, just a wipe over and it was good for putting the plates on to eat.
I have a Cath Kidston one which MzOops says gives her a migraine (!) so that’s packed away as she’s been staying here and a very pretty pale oilcloth one that I use in the summer.
No matching napkins , but some pretty Vintage ones that we use, (if we have a take away we get the kitchen roll out).
I also use my Mums table cloths too.
Gosh I’m turning into an old lady, it’ll be antimacassars on the sofa next!