Another older menopausal female to add to the gathering ….. My most used bag (-I count it as 3 season) is a Cumulus 450+ (880g) which is rated to -10C but as a female it only takes me to 0C - and then with baselayers and down troos/pullover. I decided long ago that I slept too cold to be comfortable with a quilt. Also too much risk of drafts and messing with "attachments" clips etc. - getting up in the night is inevitable and a zip is simpler. I always wear base layers in bag - to keep bag cleaner + me warmer + dressed ready for those outside trips. I vary the warmth of the layers I wear depending on the temp. I would need to be out in much warmer climes before I'd be OK with a quilt. If I get too warm I just leave the zip open. Quilts are not for everyone.