It's going to be in the low 20's Friday and Saturday night so I will get test my top and under quilts from hammock gear.both are rated to 15 with a couple oz of over fill.I am carrying a pad just to safe.the under quilt let me down and left me cold in the upper 20's already and I am a hot sleeeper lol.I am going to try readjusting it because I only got cold in one spot.I am still skeptical about under quilts .I only hammock camped for 10 using only a pad lol.neo