You said you would eventually get a 40 degree quilt. When you do decide to do that, I would strongly suggest trying a 3/4 length as, IMO, they are less $, lighter, less bulky, and easier to get a snug fit. Many (me included) prefer to use the 3/4 length year round for all the above reasons, others prefer the full length for 20 degrees and below but use 3/4 length for warmer temps. Others still want full length all the time. You'll never know what category you fit into unless you try. I'd suggest buying used -here preferably or through one of the Facebook groups. If you decide you don't like the 3/4 you can get most of your money back easily by passing it along to someone else.
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