She hasn't been cold outdoors yet but I'd say she's a cold sleeper, at least she uses twice as many quilts as me indoors.
No I'm only getting one for her this time, so I'm leaning towards a 20F rated one if we go with the Phoenix route.
Will check out UGQ now.
Are there any differences I should know about between the Phoenix, Yeti et c? Because they all seem like fantastic products.