On the queen size thing...the 15 inch overhand on each side is going to be "lost" when you put two bodies in the bed. As for the length, most folks bunch the covers up under their chins, and we don't want feet getting cold in the process...
![Wink](https://cdn.quiltingboard.com/images/smilies/wink.png)
That's my way of looking at it anyway.