Seriously, were you naked? I think it sometimes disturbs the dogs to see us naked. I am not anthropomorphi zing them when I say that...what I mean is that it is very strange to see us without any of our "fur". Lou was simply horrified the first, second, third, fourth....time s he saw me naked. He thought my nipples were staring him down. Perhaps that is it...
Or, she is asserting her dominance in some way...or trying to by peeing in your bed to say, "This is mine!"
You are supposed to walk over and pee on the comforter right in the very same spot.