Been using a 3/4 Thremarest and my sleeping bag as a top quilt.
No complaints from me.
But, here in South Texas, it doesn't get cold all that often.
So, an underquilt and official top quilt are on the DIY list down the road.
"The longer I wait, the more I learn and the more $$ I save."
"Por que la leche queste mas, que los huevos...."