We are all made differently and our sleeping comfort levels vary widely from one person to the next. I would say that at 50-60 degrees you are going to want some sort of bottom quilt. For some 70 degrees might be there bottom limit. Personally I tend to sleep pretty warmly compared to quite a few others in the crowd that camp with. That being said I always have at least a 3 season under quilt with me on all outings. No matter how warm the predicted temps. If I need I have it readily at hand if not needed for insulation it becomes my pillow.
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