Tom, don't fret the choice too much. Any of these quilts from established vendors is going to serve you very well. As a fellow gram-weenie, I think you should go with the partial underquilt plus foot pad option. From your description of the weather you hike in, a 20 degree setup sounds right. A 40" wide quilt is plenty for me at 6' tall and 200# and I sleep on my sides and toss & turn at night.
"Life is a Project!"