I currently use my 0f UQ year round and just change out my TQ. I plan to eventually build a 40f UQ for summer use, but it's a significant time investment to save about 12oz. I have better ways of saving that weight still.
That said, in your situation I would go with a 20 degree quilt. You can extend its range with a down beanie, down booties, a down/fleece jacket, and gloves; if you're camping below 20 degrees you're likely to have most of those items for use in the day anyway.
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