I have not used an underquilt and wondering about something. I currently use a Reflectix matt under me and have messed around with a Thermarest on top of that. I am wondering with either or both of these things being used, how much additional protecton am I getting from a bottom quilt? In other words, how much will the use of a bottom quilt expand the temperature range I will feel comfortable with? I know it is subjective, but I'm wondering if I'll gain an extra 10 degrees of comfort, 15, 20, 5?
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