Yep, not hard to do quilting loops, and well worth it. Here's the thread
where I was complaining
about the outer insulation ballooning up in my face with the Fanatic Fringe quilt. It didn't have quilting loops.
Air gets trapped in between the two nylon layers and pushes outward when you move. The effect is like one giant nylon balloon blocking your nose and mouth and condensing the water vapor from your breath onto the quilt. You can end up with a cold, wet balloon rubbing against your face every so often. Not very pleasant overall.