You can see the first hole here was an abortion. At that juncture I was still bent on using the plastic inserts which would have required a 5/8" hole. After struggling with batting wrapping around the drill bit repeatedly - drives you freaking nuts - I abandoned the idea and just went for two holes about 3/8" dia. After you cut through it all with your knife and push (finger) the batting away from the drill path, I stuck a 1/2" socket into the hole to shield the bit from tangling up in the batting. With some perseverance, it worked and the last 3 holes were more respectable.
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