how to choose 'the right' underquilt?
I am looking at bang for my buck 3 season comfort without the overkill. On the spectrum, I'd say I sleep on the colder side.
I am considering the HG Incubator line (short -73 in. model)
the 40 degree as it comes, 40+2oz fill and the 20 degree options.
This will be for 3 season use in Arizona conditions ranging from 20-70F lows. Most my current plans will be for relatively fair weather car camping excursions or short hikes so weight is not an issue. I will likely choose lighter components as I stick with the practice, get out more and further away (I've only been here a few days and am no longer surprised at how one can acquire a mix and match set up of 5 or 6 different rigs).
My current 'TQ' solution is an plain oversized cotton fill Coleman (claimed for 40-20 degrees) sleeping bag, which would likely need upgrading if I were to run up against snow and/or freezing temps, but I would like to secure a good UQ before looking into a dedicated TQ as I can layer with clothing in the meantime if necessary.
My general line of thought is it would be easier to vent excess warmth than it is to generate additional heat beyond gear. My questions are, would the 20 degree be overkill altogether if I do not intend to go out looking for sub freezing temps, or does it simply allow me the option of a lighter TQ solution inside the hammock at higher temps?
I appreciate in advance the experience, opinions, and any recommendations.