Hey all, I am fixen to buy my first underquilt, but I have a question. I hang in the Colorado Rockies, from the middle of May to the middle/end of September. I will be getting Stormcrow's Incubator 20 or 40. I don't want to end up getting cold by getting the wrong one.

If I get the Incubator 20, would that be too much for summer in the Rockies?