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With just a 40 degree top quilt I would say no. However it's not hard to increase the effectiveness of your top insulation. You can use something likeSpeedogomer Today, 13:49
I have used pads, but I think that my best purchase was an underquilt. I use an old 20* sleeping bag as my top quilt. Have been sleeping out this wayStumblefoot Today, 13:30
For winter I finally sprang for the downy goodness and got a JRB Winter Nest and a HG Zero Burrow.For 3 season use,a 20F HG Phoenix and a Snugsack BlanketFive Tango Today, 13:27
Personally, I don't play that game. The TQ is "theoretically" more efficient, which is not to say that it "is" more efficient. SinceSilvrSurfr Today, 13:26