Yes, you're better off with buying the 0*F quilt. Not only is over fill pretty much unproven (no studies comparing a standard fill vs a overstuffed quilt of the same make, in same types of conditions. Just a lot of, "Well, I got X over stuff and it kept me warm to Y*F"), but based on the data that is available you only get a 0.1-0.2*F rating decrease for every 1% of overfill. (calculation done
HERE if you're interested. Also lot's of discussion in that thread...)
So for a HG Incubator 20*F with 12oz standard fill to be considered a 0*F quilt based on over fill you would need ~133% additional fill (based on 0.15*F per 1% overfill). So you would need to add ~16oz of down, for a total of 28oz of down in the 20*F quilt.
HG only offers up to 4oz over fill. That's about a 5*F temp rating increase, and the cost will then be MORE than a standard 0*F quilt for the same amount of down, but less loft (by $6).
A standard 0*F quilt has 16oz of down. The reason is although there is some minor increase in warmth from over fill, warmth increases much more when loft is increased, and requires less fill to achieve said loft.
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