Molly Mac ?

[Deadphans]

Howdy folks, so I have been looking on the internet and trying to figure out an under inuslation solution. I am still using my Therm-a-rest pad, so I can not wait to purchase an UQ. But I am taking my time and doing my research. Whilst searching the wild wild web I stumble across Molly Mac gear. The Molly Mac IX seems like a great solution down to 40 degrees as per the TTT Gear website. But I was wondering, if I was to purchase the insert as well, how low could that get me down too? The description on the website is a bit lac luster. My ideal UQ situation would be one that I could use it 20 degrees...if I had an UQ that I could use in the fall and then add an insert in the winter, that would be seemingly ideal. Thank you for your input!

Any err, any other suggestions you may have Was also looking at the Lighthiker Bedroll plus insert to hopefully achieve the same results. Not sure if I am misleading myself or not