Im going to be ordering a set of quilts coming up pretty soon and the one thing i'm still really thinking about is what temp quilts I should get. I mostly do 3 season hiking so at first I figured 20* quilts but I'm worried that come the summer I might get too hot so now i'm thinking a 20* UQ and a 40* TQ and in early spring / late fall i could just add a sleeping bag liner for the TQ and just vent the UQ a little bit in the summer.
Does anyone else mix and match quilts like this? Unfortunately since I don't have a lot of money to spare on camping gear so whatever quilts I end up getting will be my only quilts for a while so i'm really trying to make sure what I get is best for what I need.
Also a question about overstuffing, does it increase the temperature rating of your quilts or does it just help protect from loss of loft?