HOW TO USE A SLEEPING QUILT: Just slip your feet into the footbox and lay the full quilt on yourself letting it hang over your sides. So, yeah, it's used just like that sweet heirloom quilt Grandma made for you.
ISN'T THAT JUST A SLEEPING BAG? The biggest difference from a sleeping bag is that the zipper only comes up 18" from the foot of the quilt. This helps save weight and allows the quilt to be stuffed significantly smaller than a traditional sleeping bag.
I'LL GET COLD BECAUSE I CAN'T ZIP IT ALL THE WAY UP! Don't worry, you'll stay warm. It's all due to the fact that when you sleep in a traditional sleeping bag, the insulation that you are laying on top of is being compressed, and not living up to it's billing to keep you warm. So instead of having this extra insulation a sleeping quilt is meant to lay over the top of your body, utilizing the insulation more efficiently. This saves weight and bulk in your pack without sacrificing warmth.