I always worried that toddlers would pull a tablecloth and everything would land on the floor. I have a pine farmhouse kitchen table and just use table mats.
My parents bought a new, dark oak dining suite in the early 1950s and the table top has probably never seen the light of day. It always had a thick felt pad, under a chenille tablecloth, with a wipe-clean vinyl cloth over that, then a white damask tablecloth, and mats.
The cat scratched the table legs, but nothing and nobody was going to spoil the top. It was treated with lavender wax every so often, then diligently covered again with all its layers.