I’m with Robert. 10D is plenty durable if you treat it reasonably well. I’ve put hundreds of nights on a quilt with 7D without any observable damage. There’s no need to baby 10D for a quilt, just don’t do anything silly and it’ll be fine.
20D is more durable, but not inherently any more resistant to rain, splashes etc than 10D. This resistance comes from how the fabric is woven (tight or not), calendared and treated. The same things done to 20D can be done to 10D.
The weather resistance strips that EE offers do happen to be 20D, but that is not what makes them weather resistant. This comes from the PU coating that is added, which could also be applied to 10D. Considering EE uses treated down, I think there is very little benefit to the weather strips.
If you think you think you can treat it reasonably well, go 10D. If you think you’ll put a lot of wear on it, go 20D. If you think you’re going to constantly be in really wet conditions then maybe add the weather resistance strips, but even here I think the dry down has you covered.