I go to the coast in fall and winter, and high elevations in spring/summer. In the deep canyons a few miles inland, it gets into the low 30s in late winter/early spring. I use a 20F JRB 3 season quilt year round for anything 20F and above, up to the 50s - at which point I still have the quilt but leave the footbox open and stick a foot and arm out to equalize. I just got back from Big Basin - slept on the ground with the quilt (no hammocking) quite warmly.
I had a 30 degree cheap bag previously and wish, how I wish, I had spent the extra money back then. I got cold in low 50F temps. I would not buy a $34 bag for anything except maybe going hostel to hostel. If you are as cheap as I am, do the research and buy the quilt you want first, instead of playing around buying things that MIGHT work.
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