One other thing not mentioned here is that how densely you quilt it will make a difference in how well (or not) it holds in the heat. Contrary to what I always thought, the denser the quilting the cooler the quilt. Quilts that are quilted with with larger open spaces hold more heat than quilts quilted with a lot of stitching.
This explains it well...
https://www.apqs.com/quilting-the-qu...g-is-too-much/