Originally Posted by
lori
Okay, I am a cold sleeper, and the Hudson River rating is spot on for me. So your own mileage will vary. :)
If you look at a 20 degree Western Mountaineering sleeping bag, you will see a five inch loft - halve that (it's a sleeping bag, there's a top and bottom) and you get 2.5 inches of loft. The Hudson River and its 3 season JRB brethren have 2.5 inches of loft. Western Mountaineering is one of those brands that needs not exaggerate - it's the Lexus of sleeping bags, by the standards of most reviewers conservatively rated, and like our JRB quilts they use high quality down.
So I would say that if a quilt were adequately filled to 2.5" of down loft, it would likely be capable of the same 20-25F rating easily.