That for sure. Plus, individual user variation is significant. I think the vendors here are all generally quite conservative for their ratings when used by the so called average sleeper. (plus, even that sleeper can vary a lot one night to another depending on many condition variables like wind, moisture, fatigue, hunger etc) And you say/ask:
"Generally if I know the low for a weekend is around 10-30*F I take my 0* sleeping bag. Is this the same for an underquilt? "
It might be, for you! Impossible for us to know. Your bag may be way over rated, or you might have a quality bag with a conservative rating but you are a very cold sleeper. If the later, then a 20F rated quilt from these vendors may not keep you warm at 20.
Have you used any quality bags like Marmot or Western Mountaineering? If so, were you warm near the rated temps?
One final caveat: There can be a learning curve with either TQs or UQs. Any gap or draft will freeze you, and it is much easier for this to happen than when you are on the ground zipped up in a bag. Plus, often a part of the bags rating is an excellent hood and neck collar. You will need to compensate for that when switching to TQs if you expect the results to be as warm. With all of that said, I find the quilts like JRB and WB and PeaPods and others here to be easily as warm as rated. But that's just me!
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