I think it would depend upon what warmth you wanted the quilt to have. What primary use the quilt will have. Will it be used in a warm house to lie lightly over a baby?
Will it be used to wrap up a baby going outside in a cold climate? Will it be used to put on the floor for the baby to lie on top of, to play on? Going into a house with good central heating and no drafts might be different than going into a house with room heaters and drafty areas. Going outside with the baby in the South is totally different than going outside with the baby in the North.