FWIW,
I recently made a double down quilt. So I tried to figure out how much fill some of the well respected bags use. I'll share my findings. But I won't weigh in on why one value would be better or worse than another.
I could only calculate for two dimensional quilts, so my sample is limited. I believe my calculations are correct, and will correct this if somebody finds otherwise.
I did my calculations by yard-inch (one square yard, one inch high) because that was the easiest way for me to think about my project.
When calculating volume, I figure height = baffle height + 1/2"
Jacks-R-Better (Mt Rogers, Katahdin, Hudson River) uses "800+ fill down" at 1.52-1.66 oz per yard-inch. (Values differ for the different models)
Jacks-R-Better with 2 oz overstuff (same models, same fill power) is 1.75-1.81 oz per yard-inch.
Nunatak (Backcountry Blanket) uses "800+ fill down" at 1.18-1.25 oz per yard-inch. (Values differ for the different sizes)
Enlightened Equipment uses "850 fill" at 1.52 oz per yard-inch
For reference, it takes 1.62 oz of fully lofted 800 fill down to fill one yard-inch.
Since I calculated volume by adding 1/2" to the baffle height, I would say that Jacks-R-Better with no overstuff is exactly that – not overstuffed. Here's one example of my calculation:
Kathadin is 84×61 with 3 inch baffles. In terms of volume, that's 84x61x3.5 =17934 cubic inches = 13.84 yard inches. It is filled with 23 oz of down. 1.66 oz down per yard-inch. So the basic product is essentially not overfilled, unless you believe that using enough down to puff out beyond the baffle height is overfill. I don't consider it overfill to puff out between baffles, as if you don't have that space puffed you'll get noticeable shifting.
When I've bought Nunatak products in the past I have always ordered extra down. But I had not done the calculation that shows that their default product (at least the Backcountry Blanket, and in my experience the Skaha pullover) are pretty seriously understuffed.
FWIW, I decided to use 2.0 oz of 900 fill thru-hiker down per yard-inch. It takes 1.44 oz 900-fill fully lofted down to fill a yard-inch, so I think one would say that I'm 35 or 40% "overstuffed". That's more down per volume than three above-mentioned companies use, and it's (in theory) 900 fill instead of 800+ or 850 fill. In addition to being influenced by the studies that RN had referenced, I was tired of the down shifting in the Nunatak BackCountry Blanket that we've been using. I'm about to make a second quilt (1.5" baffle instead of 2.25" baffle) and I'm planning to use 2.0 oz 900-fill again – in other words I'm pretty thrilled with the results of the first bag. BUT – I'm not pretending that I know whether my Love Bird Quilt is warmer with 25 oz down than it would have been with 20 oz; no way for me to figure that out!
Amy