I've never completely understood "overstuff" besides marketing. The baffles should be sized in H*W*L (cubic inches) appropriately to accommodate the fill weight (taking into consideration fill power). I suppose once could assume that the fill power ratings are slightly optimistic, in which case overfill might simply allow a margin for error. The other argument put forward is that over time down's loft will deteriorate slightly, and over-stuff can help compensate for this. While this may be true, taking good care of your gear and washing it in the appropriate manner should keep it like new.
This is all an uber long-winded way of saying that you should buy the 20 degree TQ. It should be more versatile and it lets you get out into nature for a larger percentage of the year. Paired with a decent pad and some sort of wind/rain protection, you should be set.
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