Sewn through for sure.
In general, a warmer under quilt paired with a lighter top quilt.. Not the other way..
I've done a sewn top quilt and both full and 3/4 under quilts. All for summer use. Got rid of all of them because the fabric isn't water/sweat proof.
They are super slippery, so you'll need a way to keep it in place either way.
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