I have checked out the HG quilts but am also interested in Under Ground Quilts (UGQ) Bandit model. Do you have any experience with these? They have the similar construction to the burrows except with out the horizontal chamber at the neck line. I am debating about a 20 or 30 degree quilt, for the use of 3 season camping and possibly cold weather shoulder season trips. Is it worth going down to the 20 for this or will it make the quilt to hot for summer? Also UGQ makes tapered and non- tapered versions of their quilts, for ground sleeping does it make sense to go with a non-tapered bag so you have a bit more material to hang over the edge of the pad at the hip area?