Camped with my 40 degree Incubator and 20 degree JRB Hudson River last night. Got a little cooler than expected and pushed the 40 degree Incubator to the limit on my underside. So I put the Hudson River into underquilt mode and used the Incubator as my top quilt.
The Incubator makes a great top quilt. I'm 6'3" and it covers me fine. Forms a nice footbox using the sewn in loops along the edge. I've been snoozin with it in the backyard all day in top quilt mode while it rains, just to verify my experience last night.
I had to come inside to take a pic! Also, Im in Alabama, not Michigan!
So, the Incubator is just as dual purpose as the Hudson River. Sweet. I love my setup now. I have more options than I originally thought, and dont need to buy more quilts.
Above 40 temps: Incubator under, Hudson River on top and opened up to vent if I get hot.
Under 40: If I get cold on bottom, switch the Hudson River to underquilt and snuggle up good under the 40 degree Incubator.