Just a thought but what about a 40°F or 30°F rated quilt that you can boost with your pad when the weather is coldest ? That would allow a lighter load most year round and also allow you to bring a pad for extra insulation when it's cooler. More to the actual question...a quilt is not designed to "add heat" but rather trap your body heat in a "buffer zone" and keep you warm. Bundling up as some have stated will reduce that heat and reduce the effectiveness of the quilt not to mention keeping the moisture closer to your skin and thus cooling you. There is nothing wrong with wearing your base layer (a clean set) to bed and perhaps a down jacket or pants but beyond that the law of diminishing returns may apply.
I use a 0°F quilt for any temps around 20-30° since that is about the coldest it ever gets here. The reason that I use a 0° instead of a 20° is because I will on a very rare occasion get to go hanging when it's about 6° and sometimes the weather is just plain unpredictable. Also, that allows for a generous safety margin. I will eventually get a 40° set also for the warmer months. Btw I sleep cold.
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