I would spend the money for a down comforter. Mine are from L.L.Bean, but there are any number of good vendors. Then spend the money for a duvet cover. I have bought percale ones from L.L.Bean, but my favorite are the flannel ones, used with flannel sheets on the bed. Super comfortable, super-warm, and they last forever. I have passed 30-year-old down or down and feather comforters along to my grown daughters, and bought new ones for myself and my husband. They are not cheap, but you will amortize the expense over the years.
Now as for quilts: A few thoughts, as my grandmother quilted her whole life, and so have I. Don't use second-hand or used fabric in a quilt. You are putting too much work into it to use fabric that will wear out all the sooner. If you want what my grandmother called a "heavy" quilt, and it is to be used for warmth more than looks, piece a top on your sewing machine using corduroy or flannel. Buy batting at the fabric store, and buy flannel fabric for the backing. It will be hard to quilt, as it will be thick and heavy, and if you do quilt it, don't try to quilt "close" or fancy. If you are right-handed, pick a simple quilting pattern that is all right-handed quilting, i.e. something like a wavy pattern, or half-circles made with a teacup for a template, so all your quilting is done with your right hand moving toward yourself. You may do better to "tie" the quilt--which will make you wince if you take pride in a beautiful, hand-quilted project, but will be much faster. Buy a lot of big safety pins and pin your layers together, and then use yarn to tie the quilt together, just cutting the yarn into short tufts to a length that you like. My three brothers slept through the winters (northern Ohio) in unheated attics--sometimes woke up in the morning with snow sprinkled over them from cracks in the roof--but always said they were warm enough under those "heavy" quilts. When the family broke up housekeeping in 2011, there were still a couple of those "heavy" quilts that were sold at the auction even though they were thirty or forty years old by that time. My grandmother made many, many beautiful quilts, so the family really didn't want the old, homely but serviceable "heavy" quilts.