Hi Mike, thanks for the kind words about the site and wishing you years of enjoyment with your new quilt. As to the baffles, to stay warm, fluff and massage down to be above you each night for maximum warmth. If you need to be even warmer, pair it with a down jacket. The jacket’s added insulation plus its hood will add a lot of warmth. To stay cool, just put an arm or a leg out. It’s a quilt :-). Warmest, -alan & alison.