Thanks, from these responses, I'm getting the impression that a quilt should be fine for my sleeping style. That's good since I'm eager to leverage that volume and weight savings.

Obviously seeing multiple possible approaches to dealing with varying temps -- wearing down clothes vs. combining quilts. I can see advantages to each. I'll have to think about which is best for me.

I'd probably be okay with the $500 WM price if it were the only way to go, but it looks like EE or others will give me what I need for less. I was also looking at EGQ, which seems very similar to EE but might be cheaper. If anyone has any experience with them please let me know.