My thoughts are in the thread Randy posted earlier. (the handy randy not the smurfy randy)
For the OP- just buy the 10* warmer quilt in an Econ model and be done with it.
For the gram weenie- there is ZERO reason to consider overfill for a 950+ fill ultra light quilt.
Love it and feed it and hold it and name it George.
Overfilling 950 is like buying 850 in the first place and paying even more for the privilege.
For the just in case person or casual backpacker who doesn't care... Get the 800 or 850 fill, which won't be as sensitive as 950 anyway and if you want to toss in an ounce of overfill... have at it.
Down is historically very high quality and ridiculously cheap. These Econ and Budget models are insanely good deals.
Just buy stuff now and there is no possible way to mess it up.
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