My concern would be pulling on the quarter inch seams with daily use. If it were me, I would pick something light, flannel sounds good or a very light batting, and do enough SID or other quilting so that the seams don't have a lot of strain on them. That's the weakest part of a quilt and the continued use and regular handling could make those seams come apart. The addition of the 3rd layer would also help the seam lay down and not look like lumps everywhere.