I've slept in bags for years but last year a friend loaned me his EE Convert with 850 fill, 0 degree, regular wide. I fell in love with it. You can use it as a bag, a quilt or just a comforter. Yes, it does need a pad under it, but so do bags. I ordered one for myself this year. On the other "quilt" discussion, someone suggested I change the order to a long, wide one, which I did. It came last week and I used it camping in the GA mountains this week, as a comforter, and when it got warm I just opened it. In my opinion, the main difference between a bag and quilt is room to move around better. As far as the 0 degree rating is concerned, remember, that is the temp that will keep you alive. You can usually add 20 degrees to that for comfort. All of the good bag/quilt companies have personnel that will be glad to work with you to make sure you have what you need. Good luck.
