Jordan, I had Fanatic Fringe's Polarguard 3D quilt and loved it. I never knew you were supposed to be careful stuffing it...never had a problem.
If you're looking for a low-cost, lightweight and simple synthetic quilt look no further. The only drawbacks I found were it's fairly large stuffed size and the lack of straps to keep the quilt tucked in tight.
I found the temperature rating to be as accurate as you could expect. I have slept in it, combined with a Vapr bivy and Patagonia Micropuff vest and regular hiking clothes, on late spring trips into the upper 20s. Other nights I slept a bit cold in the upper 30s, but all that demonstrates is that there are more factors than the loft of your insulation at play.
For a direct response to your questions:
"Is this a major issue with this quilt?"
"Would it be worth the money to purchase this quilt?"
"Also, are there any more synthetic-insulated quilt options on the market?"
Not that I am aware of. Ray Jardine sells a make-your-own-quilt kit for under $100, but I'd rather not deal with the hassle of sewing for something you can buy already made. I heard that backpackinglight.com/Bozeman Mountain Works will be selling synthetic quilts sometime in the future, but that may or may not come to be and if it does you may have to deal with pre-ordering and waiting several weeks or months, and it might possibly sell out before you get around to purchasing.
One last thing...if you buy the Fanatic Fringe quilt, don't hesitate to add more length to it (maybe up to 8 inches) than you think you need. I ordered mine in a length I thought would be longer than necessary (I think I added 5 inches or so) so it would be extra cozy, but it arrived as a perfect fit (ie, where I expected it to fit if I hadn't added 5 inches).