I use a combination of bag and quilt Mountain Laurel Design quilt w/Event fabric , WM Mitylite semi rectangular bag , between those and a down jacket and vest -beenie I can do fine.
I'd say a Quilt is just a good piece to have -you probably would have to buy or borrow one to see if it works for you.
My WM Mitylite can be used as a quilt though.
