Here's my 2 cents worth on the quilt size. The 'drop' is only on 3 edges: the 2 sides and the bottom. You have a choice on what to do on the top. You can have no drop, in which case the quilt goes to the top of the mattress and pillows will go on top of the quilt, or you can add some which will fold back over the pillows like a bed spread (a pillow tuck). With the dimensions you quoted, it sounds like there's a pillow tuck. If there's no extra on the top, you can make matching pillow shams or get coordinating bed linens. My avatar is a full size, 10" drop on 3 sides, nothing at the top and I made matching shams.