Dr. Davis’ Riddle II

It is cream and orange, black and brown and tan. It almost looks yellow in the bright sunlight. It has a brown hat with multiple layers.
Its bottom is green and brown.
It has many eyes and two mouths, but no nose. Most often it is quiet, but sometimes it creaks.
It can be warm and cool, and it can be both at the same time.
It is mostly empty, yet it is very full.
It is big, huge even, but sometimes it seems very small.
It is a financial blessing and a financial drain.
It isn’t anything important, made of fibers, dead plants, and mud. Yet is important, a haven, a hiding place, a refuge.
My nieces play hide and seek here.
My sons watch TV here.
My family sleeps here.
What is it?