I know that at least a few folks have made versions of Z liners for their Clarks and I am about to tackle some myself, but I have a few questions before I start. The first one is about baffling vs. sewing through. I know that sewing through can create some "cold spots", but how problematic are those? (This is going to be my first real sewing attempt so I am thinking about just keeping it simple.)

Secondly I have seen several people talking about overstuffing down quilts and I am wondering how exactly is that factored in to pattern sizes and insulation quantities? Thanks in advance for your help.