I picked up two (one for me and one for the wife) Campmor down regular sized bags about a year ago on sale for $150-ish for both. I've used them in the house quite comfy as a quilt. The full length zipper was really nice and stops just shy of the foot box to keep your feet toasty. I also used it on a hunting trip in an unheated camper with outside temps in the low 20's. Kept me warm and cozy. Not a true test, I know, but reassuring none the less.

Kris