I've never owned a quilt, but recently bought one for my Spanish Camino hike this coming October. I got a JRB Sierra Stealth. I felt a little uncomfortable in buying this as I really could make due with my lighter down sleeping bag.

But my wife and I just went on what turned out to be a short PCT hike in southern WA --- we bailed yesterday (our third day out) when not only the heat but the humidity was making it consistently "never a moment of fun". But I will say that this quilt was plenty for me in those conditions, and it allowed my wife to use my lighter sleeping bag --- which helped her a lot.

So I guess I've managed to justify my latest gear-lust purchase!