Wasn’t sure whether to put this in the top quilt or under quilt forum.

I’m a noob to hammocking. I have an Enlightened Equipment Enigma 20F quilt that I’ve been using on the ground for years. I will be using as my top quilt. I just ordered an Enlightened Equipment Revolt V2 20F bottom quilt. My question is this. If I want to expand my ability to go colder now, should my next purchase be a 0F top quilt or 0F under quilt? I’m leaning towards 0F top quilt since my current top quilt has seen 5 years of use, and I can always combine an inflatable insulated pad under me with the 20F under quilt. However, I also have a 0F sleeping bag, that I can actually combine with my 20F top quilt.

Is there any particular logic on whether to prioritize upgrading warmth on the Top or Bottom first?

Thanks,
John