>>451317I have found that it makes more sense to buy a 30 or 35 degree bag and a liner/overbag rather than a 20 degree bag when on a budget. I recently picked up a Mountain Hardwear Lamina 35(
http://www.campmor.com/Product___41233) on sale, it along with an old fleece liner has kept me warm down to a windy 10 degrees. I also now have a quality bag for throughout the spring and fall. I chose to use a synthetic fill as I live in a very, very wet and humid environment, humidity builds up quickly in a down bag making it less efficient and heavier.