CD, you have actually gotten it down to three pretty decent bags for what you want to do with them. Keep in mind that if a bag is rated at 20 degrees it is actually a 30 degree bag. There are some things that you can do to increase the temp rating. You can sleep in the bag with a fleece liner and it ill increase the rating about 7-12 degrees depending on what type of liner you have and how thick it may be.. You can also increase the temp. rating on the bag by using a sleeping pad (closed cell foam) under the bag. The will keep cold air from entering through the bottom of the bag.Hope this helps..
Happy Trekking....sabre11004...

The first step that you take is one of those that will get you there !!!!! <img src="/forums/images/graemlins/cool.gif" alt="" />