Who defines what words mean? And does it really matter? The meanings of words is in constant flux. The word "coverlet" is nearly moribund - at least in the United States. :)
If you quilt a top to a piece of fleece that is both batt and backing and bind the edges, are you going to let someone else decide whether or not it's a quilt?
You know, it wasn't too long ago that the "experts" determined that it wasn't a "real" quilt if it wasn't hand quilted. Pfffftttt.... who cares? ;)