my batts also hang down and i am also a kicker. i removed hat bottom bar recently altogether for some additional leg room.
i allow myself about 8" at the top above the batting. about 3" of batting above the quilt top. i know. too much. it makes me feel secure. i leave about 3" extra batting and an extra 3" backing on the sides. altogether about 1/2 yard more than i really end up with in length. i use 120" batts that i trim down to end up with a 95" to 100" square quilt (my favorite size is 96 x 96). i find that the batts that are called queen are too small to cover the box spring on a high bed.
the skirt hanger idea is new to me. they should name it after you, like "the shelley technique"