I plan on purchasing my first top and bottom quilt. I cannot decide on a 40 or 20 degree rating. I do not expect to ever be anywhere that is below 20 degrees probably not even 30 degrees. Most likely the 30 to 60 range. Will I be excessively warm in the 20 degree quilts when it is in the 50 degree range. Do you intentionally create gaps to allow some heat out? I have only been out in the backyard a few times with blankets until I got cold. Sorry if this has been covered elsewhere, I searched but couldn't come up with much. I'm a newb.
Thanks
Tom