I agree with what both of you guys have posted and add; that it also depends on the intended use of the item in question. that is why it is so hard to pin down, pun intended <img src="/forums/images/graemlins/smirk.gif" alt="" />, which bag, jacket, etc made in which loft down will work for a poster. If they are sleeping in shelters nude in their bag then it may be fine; if they venture out of the shelter, then they are probably going to feel a bit of 'wind chill' effect IME. It's a very complicated question that is so often poised simply <img src="/forums/images/graemlins/tongue.gif" alt="" /> <img src="/forums/images/graemlins/confused.gif" alt="" />