A Zero-Farenheit bag? Oh my word yes. You will be miserable. Seriously. Sure, you can open up the bag and drape it over yourself as a quilt -- but -- anything covered by the bag will be sweating profusely, and anything uncovered will be cold.

Using a 0-F bag in a hotel would be even worse. Yikes. Sorry. You will sweat like the proverbial pig..

My personal recommendation would be a bag that you can use in cool weather -- say a good quality 30-F bag to start. Then if you end up wanting to hike in very cold weather, you can pick up the 0-F bag. Even then the 30-F bag has been far too warm for me in the summer.

If your original question was about a 0-C bag, then you should be fine.