I'm not an expert, but i feel the temp rating is very liberal. I have a 78 x 44 long quilt with 900fp 2.5"loft and it is rated for 20 deg F. if i reproduce these your temp calc is 2 deg F.
Now I get cold butt syndrome in mine at about 5-7 deg Celcius 41 to 44 F. I was thinking of adding about 6 oz of 800 fp to a total down weight of say 18.6 oz approx. According to the calc i should be good to -27 degrees F.
If i understand it, i should not necessarily expect much warmer overstuffing my existing quilt roughly 88% ???. I feel like when i look at my quilt there are a lot of empty spaces, that the extra down should fill in. So even if it has a given loft due to baffle heights, i should be able to get it warmer. Probably not to -27 F though.
I was hoping to maybe be able to get it to go to 32 F. I guess i will find out.
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