Okay, this is my first attempt at a top quilt, but I don't have the courage to try stuffing with down and facing the wife's wrath. What I did was to take a 86" x 50" poncho liner and sew up the bottom and then join the center seam for about 28".
Then I went to JoAnne Fabrics and got 84" of 58" wide Blizzard Fleece (It was on sale for $4.49 a yard) and sewed that in a similar fashion. The fleece liner fits perfectly into the poncho liner and is quite warm. I plan on doing the backyard test this weekend.
Any thoughts or criticisms would be appreciated.