I've used a fair amount of quilts.
First - I hate pad straps
Second - Drafts can happen , it is mostly a function of the type of sleeper you are and the sizing. Many size them too small and thus get drafty if they toss and turn
Of the available quilts, there are a lot of good options. I used the Western Mountaineering Astral Lite at 17 ounces. For me , it seems true to temp or very close to it (26 degrees) , and the fabrics leak very minimal feathers for being so light.
An air pad may reduce drafts a bit .
Yes, I'm with you I hate zipper snags on bags.
