What helps the warmth factor is also the quilting. Air is a great insulator and when a quilt is quilted too densely it may not be as warm. Maniacquilter2 has a great idea of using the wool or two layers of batting, just don't quilt so tight it goes flat. Use whatever distance between quilting lines the batting package suggests. If you use 2 batts make sure they are compatible for quilting line distance. Clear as mud?