I have 40* UQ/TQs from hammockgear and love them. The UQ is overstuffed with 1 oz and over President's Day we hit 27. I slept very warm. I don't think I'll get much lower than that so I don't feel the need for a 20*. I've been in the 20s multiple times and even with minimal clothing I'm warm enough. Like very warm, not just getting by. I also have a 50* TQ from undergroundquilts that's very nice.