Kevin,
First off, I'm impressed with the quilt. It looks very professional.
I don't agree with your comments on baffle height though.
Before I start, I'm just going to touch on how down insulation works…as that's important to why I have the opinions I do.
Down acts as insulation by trapping air (this is actually how most insulation works). It's efficiency is caused by preventing air circulation within the shells (cold air near the outer shell can't cool the warm air near your body as well if down is there to prevent "miniature warm/cold fronts" from circulating). The air is actually what's keeping you warm…so adding more down will further inhibit circulation better but it doesn't really impact warmth much.
"For example, lets say you want a quilt with 3 inches of loft. Traditionally people would say cut three inch baffles and ad 20-30% over stuff. This would actually give you 4-5 inches of loft depending of the quality of down."
Honestly, this isn't very realistic. Down will compress on itself before it makes fabric expand like this. Regardless, it's going to cost a lot more and the money doesn't go very far in terms of adding warmth…so this option is really just adding 15-25% to your budget, adding 15-25% to the weight of the quilt and providing 5-10% more warmth.
"Rather that approach, why not just just do 1.5 inch baffles with zero overstuff… it would give you the 3 inches of loft and provide the desirable characteristics of overstuffing. Make sense?"
That doesn't actually make sense…I think the real solution is to use a differential cut (which I believe is fairly common around here). It's almost the same method as what you have done but 1.5" baffles and 3" loft seems too aggressive, especially for an under-quilt (which is much more susceptible to drafts)
Going off some estimates on loft height and temp ratings (these are fairly established estimates):
1.5" = 33F
2.0" = 22F
2.5" = 11F
3.0" = 0F
The problem is that a quilt is only as warm as it's coldest spots (or rathers, slightly warmer than it's coldest spots). The parts of the quilt with a 1.5" baffle are only rated to 33F. The areas that have "full loft" are rated to 0F. That's a massive difference and would almost certainly create cold spots if used at 20F even though you have enough down for a 5-10F quilt.
The Karo step baffles help with this by having less sewing/baffle overall as well as evenly spacing them out…but it's still there.
If you haven't yet…check out the UQ calculator here over at hammockforums and play around with different baffle/loft combinations.
https://www.hammockforums.net/forum/showthread.php/53701-DIY-Differential-Cut-UQ-Calculator
My preferred specs for quilt construction are as follows (this is not talking about karo though):
Baffle = 1/2-1" less than loft height…inner shell is 4.5" wide for baffles and outer shell is 5" wide for baffles.