I currently have a store bought quilt on my king size bed which only has 3 borders...and it does make sense as long as you don’t get any fading from sunlight. I have a summer cottage that we just left for the winter and one year I left our quilt on the bed...since our master bedroom does not have any window coverings and the quilt was exposed to the direct sun (all winter)...when we returned the next spring, the quilt hanging over the bottom end of the bed had faded noticeably. : (