+1 on the quilt/bivy combo. The bivy does help a lot with drafts, as well as mosquitos and other bugs if they are a problem in that area. I happened upon a Golite on sale and haven't used a bag since then. It just works for me, better than I expected.

The only thing I would look for in a new quilt is more girth. I am a side sleeper so having that extra width at the top would be awesome. Katabatic Gear happens to be about 3 miles from my house, so I'm saving up. And saving. And saving...