If I do a 3/4 length 30% overstuffed UQ ( 30% because if I do one, I want it to work well no matter what ).......am I going to be miserably hot in the summer? Will it take away the heat if I leave a small gap at the ends? Or should I just say the heck with it and have something lighter for summer insulation? What do you use for an all year quilt or is there such an animal?