Project: Two down under quilts.

Query: What fabric to use.

I was planning to use 1.1 ripstop but I have read several posts observing that the wind goes right through it. I also live in a damp climate and have read posts warning about rain splashing onto the bottom of under quilts. But I have also read posts warning against the way fabrics can trap moisture in your down quilt and/or reflect moisture back to the body. So my question is what is the best kind of fabric to use for my under quilts?

I would really like to get some useful feedback on this before I purchased fabric for my project. I would also welcome recommendations on vendors but my main concern at present is what fabric to use.