I currently have a set of 20 and 40 degree down quilts from UGQ. In my experience of using both its always the underquilt that gives out first. So I wanted to ask you all, is it worth having a 40 degree underquilt? I feel like it might be wiser to have a TQ UQ set up of 40/20 and 20/0 then 40/40 20/20. Want to hear what you all think?
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