I have read here, and it makes sense, that sleeping on a thick mattress on your bed at home will keep your back side comfortable regardless if you room temperature is 70* or 50*. Your "underneath" side will not overheat. If that being the case, all things being equal, and outside temperature stays constant all night, would not a 0* underquilt keep you just as comfortable as 40* UQ in a (lets say) 40* outside temperature? In other words, you cant over insulate... right?
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