often seen in the street without a hat

I think that the UK way is the only one that makes it clear exactly what you're citing.

US: alltheleaves asserts that "you should probably sit down and explain this to me with examples," which she thinks would help. She says she feels "quite stupid about it all!"

UK: alltheleaves asserts that "you should probably sit down and explain this to me with examples", which she thinks would help. She says she feels "quite stupid about it all"!