2.5" baffle height would fit your 20* F temp criteria.
Here's a nice piece on making a quilt....
http://thru-hiker.com/projects/down_quilt.php
You can get calendered rip stop nylon at rockywoods fabrics....
http://www.rockywoods.com/Fabrics-Ki...p-Nylon-Fabric
Just add velcro down the middle and drawstrings on the end. Find a couple of used goose down sleeping bags on craigslist and wash/dry them and then gut for the goose down. Presto... a homemade peapod!
Funny, I've been considering making one myself, lately.
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