I want to invest in a quilt system, but am questioning their ability in cold weather. I was wondering if somebody can speak on behalf of quilts in cold weather situations and what their setup is. I am wondering if the extra costs associated with draft collars, extra fill, 950 fill vs. 800 fill, ect... is worth the investment and added weight/ volume. I imagine they are relatively versatile in the sense that I can get a bag for cold weather but also enjoy it for a night on the river in the summer. I guess I really just want to start a conversation about quilts because I am fed up with mummy bags, and want to know the do's and dont's and what you wish you had gotten or could have done without.