When the openings get too big, there's nothing to stop the down from migrating. It will naturally follow gravity and leave thin areas in the higher sections (which is over you in the case of a top quilt).
My quilt with the 4" gaps still allows me to move the down pretty easily by giving the quilt a few of shakes. It was just a bit tight to construct. I think that about a 6" gap would eliminate the construction challenges and still adequately contain the down, so that it moves only when you want it to.
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