I do this, make my quilts large enough to touch the flooring, and then include a border. My thoughts, and it's been proven, is this quilt will usually be on the top of other quilts on the bed...and thus it is raised up due to the underlying blankets. I used to make my quilts smaller in size, so those are the ones that go underneath my larger quilts...I have a few so I can change which one I want on the bed that week.