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That's a perfect illustration of the issue. :)

I was indeed talking about an UQ.

If you have a vapor barrier on the outside of an UQ, but not one on the inside....then your body moisture through radiant heat will enter the UQ and not be able...

If you use one, place it on the *inside* of the quilt, not the outside...it acts as a vapor barrier.

Here's a good thread to read up about using vapor barriers.