This quilt, Golite Ultra, is not baffled to 5", but maybe to 2.5" max. Before quilts- missing part or a lot of the bottom layer- were available, the traditional method of measuring a sleping bag was to measure the total thickness. This made sense as it was not usually easy to completely separate the top layer from the bottom layer of a SB, even if it had occurred to someone to do it.
Hence, pre-quilt days and even now, a typical 20*F down sleeping bag, measured full thickness counting top and bottom, was 5" of loft. If you cut the bottom off and managed to measure only the top layer, that same bag would measure 2.5". Though some might have a higher percentage of thickness on top.
I have slept out in some cold nights in this Golite Ultra Quilt- 11, 18 and mid 20*F nights, and have been at least OK augmenting with warm clothing and separate hoods. I'm not sure it quite reaches it's 2.5" single layer loft spec, but it is very close. I'm not sure it would be warm enough for me at 20*F with out some augmentation with more than long johns. But again, fairly close, and part of that is the lack of a hood and neck collar. IOW, I am not sealed up inside a 20*F mummy bag. Another problem has been getting the segment near my face quite wet with condensed breathing, but this would be a problem with any quilt. And ways around this problem have recently been discussed here.
I think it is a pretty darn good quilt for the weight and the sale price I got. I would prefer that it was about 2" longer ( I am 6'1") for making a faux hood when I am on my side. But then again, I have been using either my parka's hood or my separate Marmot Dryloft sleeping bag hood any way. On a recent cold night ( maybe 26*?) in the Sipsey, adding that hood ( I had been using my parka hood) transformed me from just a tad too cool to one toasty warm hammock hanger, for one of the best nights sleep I ever had in the outdoors.
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