Why yes! I had a quilt made by Fanatic Fringe that only had insulation sewn down at the edges. I had a LOT of difficulty with it ballooning up whenever I used it. It blocked my breathing. (Well, it's all in the linked thread). Granted, it was an overquilt only, and you're speaking here of underquilts, but I still am convinced that quilting loops are a necessity (and another thing -- semantically, why call it a quilt then if there's nothing quilted in it?)
My .02...
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