There's this thing when you get your first down bag/quilt ever that makes you look at them like, no way. Not enough fill in that to keep me warm at home.

You should have seen the 800 fp quilt when I pulled it out of the 7 x 7 box it arrived in, and the look on my face. Noooooo way is that keeping me warm to 20F. Yet I shook ice off it in November, after staying warm all night as ice formed on the lake.

You just don't go back to cheap down after that.
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"In the beginner's mind there are many possibilities. In the expert's mind there are few." Shunryu Suzuki

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