I am looking to buy my first underquilt and I can not decide between a 3/4 length or a full length.

My environment includes summers that are 60-90F, spring and falls temps of 40-60F. Winters are below 40 to 10F which I really don't do too much camping in.

For those Canadians, I will do alot of camping in Ontario or in New York state.

I am thinking a 3/4 is good enough and adding a pad should be enough to get me by in the late fall and early spring months.

Your help, and experience would be greatly appreciated.