Setting up a tarp isn't an optional item, right? Otherwise, yes, how you position it can complement your insulation system.
Clothes are a funny one. Everything insulates, but its not always additive. Layers of clothing may capture more of your body moisture and while they might not be wet, they might not insulate as well as you might expect. They also retard the warmth of your body from increasing the temperature inside the volume of down in an UQ. Which do you think insulates better, 78 degree air in the quilt, or 50 degree air? That said, wearing a down jacket that is crushed on bottom certainly adds to your top insulation and arms.
Underquilts aren't quite as bad as top quilts for making you too warm in milder weather. But, yes, during the summer you could get too hot from an UQ whereas the pad likely not. Though, the pad is also a vapor barrier which will trap your perspiration, whereas the quilt will breathe.
Personally, I need about a 6 rated pad for 23 degrees. Also personally, I appreciate you using F.
Are there some other euro options for UQs?
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