If you go the UQ route and don't DIY, watch for Paul @ Arrowhead Equipment to have a sale on the Jarbridge UQ's. I got mine for $80 I think and with it and a Thermarest sit pad got down to 27*. Not bad I don't think since Paul rates the UQ at 30*.
Plus, depending on how tall your kids are, the Jarbridge may work like a full length quilt for them.
Other than that, learn to sew and start looking around. So many good people are on here and are more than willing to help.
Good luck!
Kirk
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