Well young lady, I'm not warm blooded, super warm, or a meaty guy, so I'm surprised the NeoAir works for me even in single digits on unfrozen ground. As for affording one, no mortgage, kids or revolving credit card payments for an over extended debt:) work for me. My credit card gets paid off every month. I'm not upwardly mobile, but I can get new stuff once in awhile. I may get what you have when I need a new pad, we'll see.