Thanks for your help guys and yes money is very much an object especially with the holidays just over and getting my jeep fixed. I do have a cheap synthetic bag I loan out thats kept me warm to upper 30's with it just draped over me. I was initially thinking of putting it over my down bag but wasn't sure if it would compress it to much. Actually its still loaned out so need to get it back so I can test it out.

Ill try that out first and see what how it works for me then see what the budget looks like on payday. I was wanting to purchase a nice down quilt any how and with it on sale it would be a good time to buy if I can work it in the budget.