Mike- Cyn and I hit Backcountry Outfitters today and snagged her a Western Mountaineering 10F bag. Seems sweet! She looked at the WM 20F bag, and also quilts, but she sleeps cold and this is hopefully "the bag" for the next couple decades so I convinced her to go with the 10F bag even though it's several ounces heavier. Anyway, thanks for your advice.
