I don't hink any one was saying don't use baffles. Down quilts need to be baffled one way or the other. Otherwise you end up with a giant bag of down. The issue at hand is what kind of baffle. There are sewn thru and boxed (or varient such as offset.) The sewn thru baffled _could_ be done after three sides of the quilt are hemmed in what ever manner you want. The box baffles almost require the top and bottom to be separate and the sides closed after the baffling is done. I don't see where you have a projected temp range or loft target. That would most certainly dictate which type of baffle you use. A summer quilt can get away with sewn thru baffles but any kind of late shoulder season or winter UQ would really need to be box baffles to prevent cold spots. So that is an important issue in deciding how to proceed with constructing the quilt.
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