My family traditions are much more along the down comforter with duvet/cover than quilting. So while I did grow up knowing how to take care of down, we didn't have any quilters in the family until me. If the cover was fancy, it might have some (usually) blue embroidery.
Turns out, although I wasn't diagnosed until my 30s, that I am allergic to down and that maybe growing up in Alaska when I did with down jackets and down house booties and down everything wasn't such a great thing. I remember describing sleeping under the down comforters as "prickly" but was told I was just being picky... That's ok I was happy with the pink acrylic blanket instead of the prickles. Still no down pillows for me, doc told me to not keep birds in the house or even have a chicken coop but I'm fine with eggs.
Anyway, I second the idea making an envelope from at least one pieced top if not too, No batting, just a backing to keep all the seams nice and you can even do a bit of quilt design if you want.