Hello Alan, I was having a conversation about these quilts the other day not knowing much about them, but after reading this article and examining the main points in having a quilt, it occurred to me I could “make” one by tearing out my sleeping bag zipper/hood and stitching up the bottom third (my 20 degree bag was maybe $50). Have you known anyone to try this thrifty method? I am new to your site and have been jumping around through articles so forgive me if you have covered this in any way.