I wish there was a "neither" option. There are a lot of bags that will fit your use case and are cheaper with very minor sacrifices in weight/quality.
IMO, I would structure a sleeping bag with the fit being the most important variable. You need the bag to fit tightly but comfortably. The more "room" you have the more air there is to heat and the less reliable the temperature rating of the bag will be. Once you find the specific measurements that work for you, I would search out the bag of the quality you want that fits your specific sizes (shoulder, hip, length measurements).
Also, I would not go colder than a 15F bag. You can layer inside a 15F and get below zero. The use case for a 0F or below bag is near 0 for hunting.
Finally, IMO, it is impossible to get a "one bag fits all". You can do a "2 bags fits almost any scenario", but not 1. 15F bag is simply too warm to use the majority of the summer and early fall in the west. The best combo, IMO, is a 15F bag and a 40F quilt. That truly covers 99%+ of scenarios.