OK - thank you, June. The "badskirt" is exactly what I was looking for. Looks like a lot of work, but that is what I want. Thank you so much for the link.
Now I am wondering about sewbelle52's suggestions. Do you mean that the GFG top only had a backing? How was it attached if there was no quilting? I do not understand, but I sure do want to know more about it. It might be the answer to my problem, but I am not understanding how the top and backing got attached with no quilting. Please try to explain it to me. Thank you so much for your help.