I stopped at a local thrift store and found a nice sleeping bag that is flanel lined for $7.99 and a bag of shock cord for $2.99. I finally went ahead and made my own underquilt and for $11 I am very happy. The only downside I see right now is weight (about 3-4 pounds) but for $11 I can't complain!
I sewed channels in the ends for the shock cord so I have some adjustability.
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