I can recommend without hesitation that lurking, researching and finally posting are an excellent approach.
Seriously though, I have used mine down into the 20's and when matched with a quality top quilt as well as a footpad under the feet, I was good to go.
A common mistake is over tightening the quilt creating air channels that allow air flow to chill you on cooler evenings.
Some folks will complain of any quilt slipping off the shoulder, there are a couple ways to address this issue. A simple piece of shock cord from the the corner of the quilt to the ridge line is one, a triangle thingie is another, even a quilt clip could be used.
Keeping the end to end suspension taught will help eliminate any gap underneath and not over tightening the shock cord controlling the width at either end will control gaps.
I have never felt a need for a draft collar on the Jarbidge.
Sub 20 degree temps and I use it as a stacking quilt with my New River. Toasty warm.
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