When first making a bag, it became obvious why the side zips are common and the center zips are not: Side zips are less complicated, and therefore cheaper to make, whether with baffles or slab construction for synthetics. Designed a solution to the complexity of patterns for the center zip, and posted it too long ago to go hunting for the link.
Note that most of the images shown above are not true center zip bags, as they are hoodless, too short in the zip, partial length, or as pointed out, are quilts,  The center zip needs to open enough to take the legs and feet out and lay them on top when its gets too warm, also to make getting in and out easy in the night. Having the center zip makes it much easier to zip up and down when lying on the back or side. Although a side sleeper, I rotate from side to side, so begin on my back before selecting which side to rest on first. The amount of weight increase from a 1/2 to 3/4 zip is miniscule. As for the hood, although a fleece cap is worn, would never buy a bag without a hood because it greatly increases warmth when needed.
The upshot is that warmth for weight, stretch, easy zipping, good DWR and durability are all greater priorities than a center zip, so use a Montbell spiral baffle design, and put up with the slightly lesser convenience of the side zip. Although haven’t had many down bags, the Montbell has lasted for years and made me a convert to down.