I have to agree with TomD here too. My Kelty bag is a low end down bag but the comfort rating of 32º is about spot on, and I am not a warm sleeper.

The generally advertised rating of 20º for that bag is misleading though. You have to dig past that to find the comfort rating. I'm really glad I learned that here before I bought another bag, and very happy with the Kelty.

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