I agree. A quilt is not a comforter. If you want something fluffly like a comforter, make a pieced cover for your comforter.
I always make my duvet covers and several years ago I decided to make a pieced cover. I quilted it to flannel and used that for the top of the duvet cover. It's a bit heavier than my other duvet covers but it works really well and I love the look of a quilt on the bed.