I can chime in here. My first multi day semi-cold weather (low 40's) with my simply light, snug pack top quilt and DIY woobie under quilt with a cheap pad was livable but cold. My issue was the rigged woobie UQ wasn't covering me right and my cold back was waking me up.
My point is that as mentioned in a ton of posts I have seen, and I finally had the chance to experience is that the quality and rating of the underquilt far exceeds the top quilt. I think you can get away with a regular wool blanket if your underquilt is sufficient. I think you could go with the snugpak TQ, its cheap and a good summer quilt, and prepare to wear some warm socks, long johns and a wool hat. Assuming your underquilt performs you should be fine.
On another note, make sure you have a tarp you can bring down tight if it gets windy. Also experienced this the hard way. Mid-50’s got cold as hell with the wind and I had to cocoon the tarp around me to survive. DIY woobie will be kept for Summer only, picked up a HG UQ 30 for spring and fall and also looking to upgrade the TQ for fall.
Good luck with whatever you decide.
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