Speaking of Campmor being more budget, I have been using a 40F down bag for several years, and have never really been warm enough in it, even summer nights well above 40.

Last month I got a 20F Kelty synthetic bag - I know, heavy, but compare the price. It came to 78$ at my door. If you're talking about more than 300$ extra, go for it, I'll pay for gas and food for a dozen trips and carry the extra weight the whole time.

Of course, I would sing a different tune with a light-weight down in my possession...