I am interested in getting a topquilt....my concern is with a down topquilt (HG Burrow 20) not sure about the hassle factor of care/cleaning and with a synthetic (AHE...Owyhee) not sure about packability.....Although, if I did go that route my wife could use it at some point because she has a down allergy....before anyone suggests buying both.....not doing that right now. Any input is appreciated.