The Holiday Inn
Seriously, grab some bags of Speer's down while its on sale (group buy thread) and then hit up Wally World for some 1 per yard fabric. Then sew (or find someone who can) an uq. Like Tight-wad said, you might be out about 130 bucks. The most expensive is the down and the most frustrating is the sewing, but if you really want to go into cold weather, I think you would be way ahead if you did the uq.
If money is a real issue, check ebay for old down sleeping bags. Cut one up and recycle the down into an uq. If your good, modify the sleeping bag into the uq.
Good luck either way.
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