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Would you be warm with a down jacket and no pants?? An UQ keeps the bottom side warm and the TQ insulates the top. There's a little bit of fudgezukiguy Today, 11:15
The answer to all 3 of your questions is no.
You'll want an underquilt rated to the lowest temp you expect(10° buffer here is a good idea)
Oh? You were going to steal Spottys' nickname! LOL
At 10 weeks you have a lot of fun to look forward too.
You are not late. We just got a lab mix puppy about 10 weeks old. We were going to name him No No D*** **, Bad Dog but decided to shorten it to Samgunner76 Today, 11:04