That is less than 20" extra on each side. Your mattress size and distance from floor should be more than that. My advice would be to lay the top on the bed, leave it and every time you walk into room register your feelings. If it is too long, or if you decide you need to have a border and then it would be too long, remove a row and use them for shams. If you smile every time you enter, then you will always smile at it and you have a winner!! (BTW, this is the same technique I use when auditioning very different border ideas.)