The bottom's not a problem, it's the top you might want to switch out for warmer temperatures. I've used mine up to 70˚F (with just a sheet barely on me and totally vented in every way possible), and have been fine. The bulk and weight of a 0˚F UQ is significant, although its bulk equal to my synthetic sleeping bag that only keeps me comfortably warm down to 50˚F (rated 20˚F), and is much lighter.
When I decided to get a 0˚F set (still needing the top half), I paid attention to how many times I wanted to go out, but held back, when temps got below 25˚F, not because of the cold, but because of my gear. It was surprisingly a lot, and this year will be a very different story. But, if I didn't get that urge in those times, I would have simply gotten a 20˚F set. Instead, by the time I'm done, I'll have a 30˚F set too, for the warmer/shoulder season. I could have gone for a 10˚F, but I got that extra 10˚ for the very likely unexpected dips that can happen in those temperatures.
I know you live in a place that's warm all the time (compared to Canada), but where do you head out to? What is the weather like there. Look at the yearly averages and lows at the times you get the urge to go out - know what your reality is.
It seems like you're struggling with having a 3/4 UQ. Is that more the issue, than the temperature, given it's a 20˚F quilt?
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