I don't see how this would be an issue. I'd rather keep as much heat as close to me as possible. Besides, if the sleeping bag were insulating enough on the bottom for this to be an issue than you wouldn't need an UQ anyway. That just doesn't make sense. Either the sleeping bag is insulating on the bottom and keeping that heat close to your body, which is good, or it's not and it is a non-issue. This is like the guys that will tell you that wearing clothes in a sleeping bag detracts from the insulative properties...
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