I'm new to the hammock game and I don't understand why people use under quilts that aren't long enough to go from head to toe? I hate when my feet are cold at night. Is it a weight thing? If so, I would think that having to carrying that bit of extra weight for a longer quilt would be completely offset by being toasty warm from head to foot! I'm in the process of making a DIY UQ and TQ using the Costco down throws. Many instructions call for hacking off bits of the throws to make them smaller. I don't want to do that and then regret it! Please help me understand.