I understand where you're coming from. After 6 years in the hobby, I'm sure you've spent a ton of $$. Has your body type changed at all recently? That could play into things as well. To me, it sounds like the down under your butt is either less, or is being compressed moreso than the rest of the quilt. I would think that if you had a gap on one of the ends or sides, you would feel cold air across the entire section of where the gap begins, to where it is closed off. Perhaps the leg shelf on the Incubator is causing insufficient down in that area. Or your butt is actually resting on the leg shelf, and not the top portion of the quilt.
I don't say this as a knock to HG at all- as many people use and love their quilts (and I've purchased stuff from them as well), but it seems that they use less down in their quilts than most other vendors. You may just need a quilt with more down- to counter the excessive compression under your backside. I know LL and UGQ quilts are a little heavier; but it would be worth a couple extra ounces to ensure a comfortable night all the way through- if compression is the culprit.
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