And me, @Lowena . You don't want to get a chill in your kidneys.
Thank you all so much for your help. Plenty of food for thought. I was planning to buy a kantha quilt to use, @Missie , but if I quilted it myself, I could choose the fabric myself. In fact, I have some in my stash which might be just the job. I've found this, @Lowena , so you'll be able to make one too. https://ukqu.co.uk/lets-make-a-patchwork-jacket/