Sounds like an expensive experiment, but I suppose it would work as you described. It would likely not work as well in "cool mode" as a detachable underquilt, in that the compressed down configuration would still be insulating more that just removing the underquilt all together.
While I admire your creativity, I can't think of a way to do what you are trying that would be work as well as having an underquilt that you can remove for full-out cool mode, or adjust to fit with gaps for partial cool mode.
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