I think your points are well taken, and I believe the true state of nature is actually a fairly complex interaction at the nexus of a variety of both environmental and metabolic factors.
Here, for example, at the summer solstice time, it's actually a fairly unseasonably humid 79% relative humidity at just 66F. Our summers are usually reasonably dry and not too humid, especially toward Labor Day, even if the temperature climb. That said, the relative humidity at some times of year will approach 100% -- literally the full carrying capacity for water vapor in the ambient air, and it rarely drops below 60%. At high humidity levels, even if your body heat is working for you, there is quite simply almost no place for the moisture in your down quilt to go, and so the expected evaporation is negligible. You can certainly get by with a moist down quilt, depending upon the temperatures, but the degraded performance may be noticeable in certain conditions.
I thinks Shug's advice is sound, as usual: be diligent about taking every opportunity in adverse conditions on long trips to do things like dry your quilt in the sun, recharge your power bank or Luci Light, etc.
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