I used one as a batting and the scratchy wool was still itchy right through the cotton fabric! It weighs a ton and is super warm but I have to have something in between the quilt and me. I posted about it here:
http://www.quiltingboard.com/picture...t-t221823.html
For most of the year I have it hanging in my bedroom. I only pull it down and put it on the bed when it gets frigidly cold out. I love sleeping under it because it is warm and heavy. I love the feeling of all that weight on me when I sleep but many people don't. I love the idea of doing penny rugs with them that quiltbuddy suggested.