I really like your quilt. If it were me I'd put the borders on especially if you're going to sleep under it. You need a little extra width to allow for the body lying under it. Of course I also think it needs to be a little longer if you're going to tuck the pillows because it looks as if it just reaches the foot of the bed. Sorry if that sounded critical, I don't mean it to be, just my preference is a drop all around. I hope you post the finished quilt however you decide to to it as I think you have a lovely quilt.