I think everybody has the same idea that a utility quilt is a bedcover put together quickly for needed warmth in a cold bedroom. I've heard them called blizzard quilts, too. Squares of wool, corduroy, gabardine, or whatever was available, sewn into a top and layered with whatever was handy. It could have been flannel or an old blanket that was getting thin but not necessarily a cotton batt. Those were usually saved for "good" quilts. True utility quilts were pretty heavy and generally they would have been tied rather than quilted. I've made utility quilts with polyester bonded knit in place of batting because that's what I had to work with at the time. They kept somebody warm.