I've got two quilts for colder weather, one down (Golite Ultra 20)and one a DIY climashield XP 5osy quilt. Either would be fine if the weather were above 20 degrees. That's the kind of weather I'm used to here in Missouri in the winter. But recently the overnight temps have been much lower, like teens and even single digits. So I'm thinking of using both quilts with one as as "overbag".

Then I began wondering which should be on top? One the one hand I would think the down quilt should be on top to keep the down fully lofted. On the other hand the climashield quilt would be less affected by any condensation that might get on it. (Although I'll be tarping so I'm not really expecting any condensation).

Any arguments one way or the other?