I had an idea about adding "Faux Baffles" to a Costco UQ in order to add a differential between the top and bottom layers, as well as create a baffle of sorts, and it seems that GadgetUK437 had the same idea, but was a little more gung-ho about it and actually created one. You can follow his progress here: Costco Differential Cut 3/4 UQ with Faux Baffles.
As far as the top quilt, ripping out all of the vertical seams from the blanket definitely causes way more loft, and makes the blanket swell up like it was stung by a bee. I'm hoping that it gets me into the 40's with appropriate clothing and maybe a fleece sleeping bag liner if needed.
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