have a 0 under 20 top mostly camp in the high 20s as the colder temps up to 70s or so here in AZ above 5000 feet
I like it cause here at least temps can shift HUGE in one day with little or no warning and I have it ready if needed
even in the 50-70 range I just kick off the top quilt for me I hate wearing to much at night if you are not opposed to being more bundled at night the 20 should work fine also
also with a family of 4 having multiple temps is $$$$
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