Save your pennies
I think DivaB hit the nail on the head. $60 for a heavy DIY UQ that you're pretty sure you're going to replace when funds become available seems like a waste. For just a little more you could get a synthetic quilt from some of our cottage vendors or be half way to that down quilt you really want.
Yes, I caught hell from my wife when I dropped the money on a down UQ. In the long run it was worth it though. I've since made a PLUQ as a loaner or for my kid to use. They work fine and the no-sew version can be put together for around $30.
I've got a pile of gear I bought over the years because it was on sale or met the "for right now" need. And in typical fashion I ended up having to re-buy other stuff later. It's not as comfortable but you can survive with the $5 walmart pad for quite a while and set aside the cash for your dream quilt.