I went with the ¾ 20* with an extra oz. of over stuff. The lowest I have taken this was 21* and could have gone lower. This is my first and only UQ (for now) and I was concerned about taking it on a trip where I knew the temps would dip that low. No problems!!! The reason for the ¾ was that I knew that I would want to pack lite in the spring and fall and this was the best all-around quilt for my uses. It really just comes down to what you want and how you plan on using the quilt.
Whatever you choose…..you’re going to love it.