+1 on the Ray Way DIY quilts. I sewed mine years ago with a double insulation layer of polarguard 3D. Like others have stated, it is good down to 20 degrees. Mine is not drafty at all. And the polargaurd 3D shipped with it seems to loft better than many commercial offerings. Perhaps because it may be stored in a less compressed state? Anyway my quilt and thermarest prolite 4 are my go to 3 season sleeping setup most of the time!