Michigan gets pretty cold too. I would vote for wool. It is very easy to work with and has a higher loft than W&N, so your quilting shows up more. Use a nice flannel for the back. I personally don't like the way that fleece doesn't breathe, but this doesn't bother a lot of folks.
Last edited by PaperPrincess; 04-13-2017 at 04:52 PM.