i am a bottom line guy and like real estate is about location, insulation is about loft, loft and more loft.
I went with the MWUQ and have loved it - I don't use a pad because i love the feel of the quilt wrapping around my underside and warming me up.
Radial design also made sense to me, seems it should minimize effect of compression.
I have no experience with other designs, but this was my choice.
I would also suggest a tarp with good coverage - I am using the speer winter tarp and love it, closes up really well.
I live in ottawa, canada and it is generally -10 to -15C overnight (i suck at C to F conversions but i think that is in single digits F).
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