Im getting ready to order a Ghost Pepper in either 40º or 50º. Im wanting to hear what others think about whether a Neck Draft Collar is beneficial at these temp. I have a Draft Collar on my 20º quilt and on my 20º mummy bag and love it. Im just unsure whether it would get in the way on a 40 or 50. Im not quite sure if it'll be needed. Thoughts?