I was curious how much people tuck when they're under a top quilt. The reason I ask is that if I'm trying to put my hands/arms under the quilt with me it turns into a tucking disaster.
Do you have a lot of problems with draft? Does it keep you up at night or does the under quilt help eliminate that?
I don't have a lot of experience with top quilts as I like the "enclosure" of a sleeping bag.