It's almost time for me to make my single biggest investment in backpacking gear yet. I'll be buying a better sleeping bag. Woohoo! I'm looking for a bag rated for around 20F and under $200 (US). The Kelty Cosmic Down seems like an obvious choice, but I've read that's it's pretty roomy. That may not be the best choice for a guy like me with a slight build (5'8" 125 lbs). There just might be too much air space to heat up, especially since I sleep cold. I'm not necessarily set on it being down, as long as it's still reasonably packable, warm, and a good value.

Before I take the plunge, does anyone think a different bag might be better for my criteria (20F, <$200, 5'8", slight build, somewhat packable, good value)?
_________________________
The journey is more important than the destination.