I'm a cold, cold sleeper. A 20* UQ that's over stuffed by 2 oz gets me by and I use that with a 20* TQ. At temps below 30*, I'm in the hammock sock with a top cover draped over the hammock/UQ/UQP edges to stay toasty.
I need to move to a warmer climate.
Love is blind. Marriage is an eye opener.