I second the comment on it depending on whether you sleep warm or cold. I typically like temps a few degrees colder than most people, personally, so I'm more likely to push the lower limits of a bag.

That said, my quilt (Enlightened Equipment; they no longer sell the style that I own but it was just their basic quilt at the time) is rated to 10 degrees and hasn't been used in anything colder than 40, because I bought it with the intention of winter camping and haven't been out in cold weather since.



Are you looking at down or synthetic? I went with down because I prioritized light weight and compressibility (weighs about 2 lbs, packs down into a 6L-2L compression stuff sack), and I absolutely love it except I'm paranoid about it getting wet.