I had a 0 degree quilt, it had enough loft/down to be suitable to 0; but I found that a draft at 0 degrees is not the same as a draft at 30 degrees.
I've kept the quilts that I have that are 20 degrees and plus, but went back to bags for under 20 degrees- a few extra ounces I've found are worth carrying when temps are cold, ymmv
Great info there as that’s my inclination.
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