I'm confused by this... We went camping last winter down east on the Neusiok, where the temps dropped into the low 30's at night. I was fine with a pad and a 20F bag - with full jammies and a beanie. Predictably, the pad was a PITA. I'd like to get rid of that. I know it probably didn't provide much insultation, but it was better than nothing. Regardless, I started looking at uq.

So do you folks not use a bag when using an underquilt (~40F+)? and is that sort of the point?