Warm and White/Natural is fairly warm, and doesn't need to be quilted closely. You could use 2 layers, but the quilt will get heavy. I've never used wool batting. What about 2 layers of fleece? It traps air to hold the warmth. Don't know where in NY you are, but outside of Albany it's 4 below. Just brought in more firewood and am under a fleece blanket right now. Is she amenable to layering a blanket under the quilt for 3 season functionality? Or- maybe a fluffier poly batting and tying or channel quilting like a comforter?