There's cheap...and there is value conscious. They are not always the same thing. I hear you about being tight on cash. Been there, done that, got the tee shirt and the hat. I working on getting the tote bag. But the simple fact is, the more you try to "get by" the more you are likely to spend over the long run. That being said, there are several DIY projects for underquilts that don't have to be pricey and will do for the fair weather hanger. One is a mod of a Sportsmen's Guide 50 degree sleeping bag to an underquilt. The Sportsman's guide bag is something like $25. I did the same mod on a Wally World $10 and it seems to work quite nicely. It is rated as a 35 degree bag. It is bulky. But if that is not a major concern, or one of those trade offs you have to live with for cash flow, it seems quite usable. A Wally World blue pad in the claytor pad pocket should help a lot as well.
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