A baffled design will have more constant loft; the baffled designs I made were also differential cut; the shell was 4" more in circumference than the liner at the shoulder, less so at the foot. For something with 1" baffles, a differential cut may not be worth doing.
With sewn thru or with overstuffed baffles the crowning of the fabric also eats up some of the length. I tend to oversize the cut fabric and it always turns out just right or a little small and so I've never really figured out exactly how much to add.
My sense is that once you get close to or above 2 inches of loft in a layer, the baffle is more efficient. It allows the down to loft more, reduces thin spots, and baffle weight is offset by more efficient lofting of down. Efficiently lofted down won't feel spongy the way an overstuffed tube will but will be fully filled none the less. Another benefit to this is a smaller stuffed item or one that isn't stuffed a stightly when you pack it away.
I like my baffle spacing to be about twice the design thickness of the bag, which means 5" to 6" spacing for the 3 season designs I've made.
Getting back to my sewn thru summer quilt, the collar was just attched at the edge, so the attachment is a thin spot. But for a baffled bag that is differential cut the collar would be sewn inside-collar-piece to the liner and outside-collar-piece to the shell. Then a blocking baffle can be be stitched-in to the internal seam allowances on the shell and liner. The collar is filled from the ends and is narrow enough that other baffles in the collar isn't needed. Or you can stitch both parts of the collar to the liner with whatever thickness spacing you want and let it hang from the liner.
If you don't like velcro I think your best option is a single layer bottom which turns the quilt into a top bag and at least a half zip is handy. But my summer quilt also has a collar slit halfway between shuolder and foot(velcro closing, I use the non-snag velcro) so it can be worn as a vest/serape. The velcro from the torso mates with the velcro from the foot since non-snag velcro is unisex (hooks and loops in the same piece). It looks dorky in use and always gets a laugh out of grumpy camp-mates before they make their coffee.
You might be able to sew #3 separating zippers to a foam pad and attach the quilt that way. It will weigh more than velcro but will be easier to use and adjust venting. The velcro isn't very convenient. I've thought of that method for self inflating pads as they ususally have a seam of heat sealed edge that could have a zipper sewn to, but I haven't tried it yet.
A light bivy sack also solves the pad/quilt attachment draft problem.
Many people use straps to batten a quilt down to a pad. Maybe even light bungee cord would work.