I am currently using a pad with homemade SPE, but I plan on making a down underquilt in the near future, and I am wondering how much loft I will need. For what it's worth, I have been comfortable with a single layer of 5 oz/sqy Climashield XP for top insulation in the low 30s wearing a smartwool base layer.
Since temperature ratings are very subjective, I thought I'd ask a different question. What is the ratio of loft between your top quilts and your underquilts? In other words, do I need more insulation on the bottom or on top?
I apologize if this has been asked and answered before. I've tried to search but didn't really find a good answer.