Thank you all for the great responses. I decided to go with the Quilters Poly fill. My friend called me back today and said wool won't work because he is allergic. I asked him about using Polar Fleece as batting and he was afraid of the fleece attracting more dust and things. The Quilters Poly said it was allergen safe and 3/4 inch thick so they should be plenty warm. They live in Northern WI by the MI and MN borders and wind chill can be double digits below zero. I'll stay in Sheboygan LOL.
I like the idea of the puff quilt, that may be the next one I try. In January I will have been quilting for 2 years and I am loving it. My mom and her friend got me started. Last week I made a baby quilt in 10 hours with 144 3 inch squares. It truly was fun to do.