Here is my secret to looking puffed up instead of smooth: wash the quilt! The fabric tends to shrink up a little more, and you get that old fashioned "lumpy" look!
I prewash all my fabric in my washer (top loader) and dryer, using normal laundry detergent and fabric softener. (I can hear people fainting now, but really, at this point it is just fabric!!!!) In June, when I no longer need the warmth, I will wash whatever quilts I have used during the rest of the year in the top loader (no fabric softener this time), but I DO NOT put them in the dryer. Instead I spread them out to dry on the hammock in the back yard. I do check for rain first, and I put the quilt upside down.