My thoughts may not totally address your DIY questions but here goes:
How heavy do you want it? How bulky? Do you want to add gear/clothes to supplement - and perhaps have the versatility?
Full length can (and should be, in my opinion) just that - full length for the user. That's easier for us shorter folks (I'm 5'5", 145lbs). It will cover the extremes on both sides - head and feet, or mostly.
I recently acquired a 3/4 length Greylock4 that I've experimented with at home and I'm completely confident that when I get it out to use, it'll keep me toasty. I wear hats anyway (shaved head) and don't mind a small sit pad for added feet insulation, as I like the pad for its versatility around camp. The 3/4 seems easy to vent; was instant setup for me and it's easily adjusted because I can reach both ends from within the hammock.
If your wife is a cold sleeper a full length may be good, especially if she's convinced that she needs it. Do ask about, or look for, the challenges with full length quilt adjustment/setup versus 3/4 length. Some are setup quickly, while others seem to have a bit more trouble dialing-in the full length (but that's my recollection this morning - before 6am and only a half cup of coffee thus far!). Your mileage will certainly vary with your custom DIY approach.
What climates do you frequently find yourself in? The temperature ranges may help in the decision making process. ....of course, you should just find more jackets and make both.
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