I like to use warm and natural and warm and white which seems to be a little thinner. So far I have done Stitch-in-the-ditch quilting and I am OK with the drape of the quilt. The good thing about w&n is that it can be quilted quite far apart and hold up well in the wash. The bad thing is that it does get stiff when it gets quilted close together. My cuddle quilt keeps me quite warm.
Have you looked at the patterns of flannel? There are some lovely subtle flannel prints out there and I would definitely use a flannel as backing. Just make sure to wash it and dry on hot because it will likely shrink much more than your standard cottong fabric. You don't want that much pucker.