All good advice, and as you can see, priorities are different for different people. I know SilvrSurfr will disagree with me, but I think "coverage", as in beyond what you really need, is a bit overrated. Still, I've got a big 12' long tarp with doors that I love to have in porch mode. But I also have a diamond that works great in any rain; yes, any rain. Doesn't block wind, though, and that can be important.
I also have a zero UQ despite doing all my hiking in the SE. Occasionally I like to get out in the mountains when its the coldest day of the year, but so far I've only managed 13 degrees. But I'm still using my zero at 40. I have a Jarbridge and I think its the best value for someone looking to buy an UQ (along with the HG Econ quilts). Its rated to 25, but I would apply a 10 degree rule to any rating - not because the makers exaggerate the rating, but because there is a learning curve to using one and some like me, and it sounds like you, sleep cold.
What kind of TQ are you using?
Best advice I can give is go cheap enough to get both so you can get out and hang well. Once you're out and you've used gear a bit, you'll probably get better perspective on what your needs are.
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