since I have made a 45 quilt with sewn thru baffles, I decided it makes no sense to have a quilt rated at 35 that has potential for colder weather. So i took this blue quilt and added ~3 more ounces of down (which is pro'lly too much - 2 oz. would have done the job)
It now weighs 15.6 oz and has 3" loft. Should be good to 25 or so. Less, of course with added clothing.