I am looking to buy a top quilt. Most of my hanging will be with temps in the 40's to 50's in the evenings. I do not want to limit myself in case I decide to stretch it to 3 seasons. If I get a 20* top quilt and a 20* bottom quilt, will i be too hot at night?...I am a pretty warm sleeper to begin with, if I do have a problem spot it is cold feet sometimes. Tell me what you guys think...I don't mind spending a little extra on the 20* stuff, but want to make sure i am not going to roast.