I have a 20 degree synthetic BA that I use. The BA's have a pad sleeve instead of insulation on the bottom, so it's essentially a top quilt with attached pad sleeve. I have no intention of switching to top or bottom quilt at this time for several reasons... might as well use what I have (I'm perfectly content with it, it's effecient and no need to spend money when it is not neccesary). I too have a 3/4 pad but I have so far just put my extra clothing at my feet to keep my feet warm. As much as I would love to get all into the fluffy warmth of down I don't forsee myself going down that path anytime in the near future.
"Mother Gue", I says "the Rocky Mountains is the marrow of the world," and by God, I was right. Keep your nose in the wind and your eye along the skyline.