I'm finding even my 40 degree tq too warm for 60 degree weather, when using my 20 degree underquilt. Yesterday, I left the entire HG 40 degree topquilt open like a blanket and it was much too warm. Then, tried to push it down towards my feet area, leaving myself mostly exposed and sweated from the waist down. The problem, for me, there's no where to put the topquilt if it's too warm (it won't fit on my WBBB shelf). Really, the underquilt by itself is almost enough to keep me warm to 60 degree, but I also wear pants for sleeping in the summer. I'm probably going to construct some sort of fleece topquilt that I'll use down to 50 degrees.