I just use white linen. I have a few plain ones and a few with a very light 'windowpane' pattern woven in.

I don't tend to wear one during the day. As for folding, I tend to use the 'pinch and fold' method Lime describes sometimes called the "puff", as I like a slightly deconstructed look. If it's too square I feel like a TV newscaster from the 60's.

See HERE or HERE or even HERE for a few different folds and opinions.