Do I need to finish or top coat oil-based stain so that it doesn't rub off on a bed?
Once dry, the stain won't rub off on the bedding.  However, a sealer of some sort (polyurethane, shellac, etc.) will make the surface much easier to clean, resist staining, &amp; wear better, etc.  I understand that it's a "rustic" look, but without a sealer it will tend to get grimy &amp; dirty - even from skin oils - and you won't be able to clean it. It won't look rustic - just dirty.