If I bought a 20* full length underquilt (possibly the Hammock Gear Econo underquilt), could I still remain comfortable using it at 40*-60*? Can you adjust (loosen) the underquilt enough to allow warmer weather usage without developing significant cold spots or drafts? I do sleep a little cold but I cannot afford two underquilts before this summer (I still want to buy a Warbonnet XLC ). I want to start camping as soon as I can this year, but I plan to camp only when it's about 20* or warmer (in Virginia). I do have an insulated (rated 3.5 R) inflatable 25" wide full pad, would I need to switch to that at warmer temps? Would that be enough insulation if the temperature is above 45*-55*?
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