Originally Posted By BZH
You are definitely correct that you don't need insulation under (except for your pad). But...the biggest issue with quilts is heat leaking around the sides as you shift in the night. I think you want some insulation near that interface. A bit of it may get compressed, but it could add some buffer as you shift in the night.


I agree with this and, when you begin to use a quilt, you are going to have to find out what works for you. My main concern is my footbox and covering for my legs. I like to have enough extra to tuck in around my upper body and arms and around my neck. If I'm too warm, I can roll the top down. I usually wear a hooded shirt as part of my sleep suit and use that for insulation when the quilt is too warm.