My first quilt was a 3/4 and my second quilt was a full length. Will never own a 3/4 again. Just not my cup of tea I guess. I too sleep cold and found that trying to use a sit pad or something under my feet for insulation was just too much of a pain in the butt. I don't think you'll be sorry if you go with a full length quilt vs a 3/4.
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