Its not just a summer quilt. It is good down to about 40 degrees F. It is tapered. About the yarn loops, there really is no need for that on climashield xp. It is very consistant and stays evenly distributed with Ripstop and Momentum. What you are talking about is something that used to happen with Polorguard Delta and 3D. Climashield is thinner and lighter. It may stuff down pretty small. If I used a stuff sack it would be half the size of a loaf of bread. Maybe smaller. I don't use a stuff sack when I pack it I just put it at the bottom of my pack which is lined with a plastic garbage bag or superlight bivy. Then I add my gear on top so the quilt only compresses a little keeping the pack evenly distributed and filling out the bottom nicely. It cuts about 2 oz. on the stuff sack also.