Eric, many thanks for your reply. only getting around to both notice and read it now.
Great that both you & Mark have relayed similar experiences to me. If I were ever going to doubt either of you (which i don't), I would have to reconsider and give great credence to two such similar testimonies.
I'm surprised that the ground (in contra-distinction to hammock) quilts are so narrow. Are they wide enough for side-sleeper - not just to cover up, but also wide enough during cold, windy conditions? Is 48" wide enough for a side-sleeper, let's say with a 44" chest (not me, but a larger person)? We need to add in one arm and lose half of the portion of the chest circumference related to the depth of the chest, keeping about the other half due to the arm. We'll skip the lower arm of the side sleeper as its scrunched under the body in some fashion. So, I would think 48" is cutting it close to have much on the ground on either side of a man w/a 44" chest, but maybe i'm mistaken again. I used a sleeping bag as a quilt (in a somewhat OLD post, Dr. Caffin made mention of this as a somewhat reasonable "quilt-like" [my word] approach to experiment with quilts) - 60" or 62" (i'm forgettin now - was over a yr ago) circumference at the shoulders for the sleeping bag (quite a bit more than the 48" you mentioned). Folded the hood back out of the way and tucked it all in around me. Since i'm so short, the sleeping bag "quilt" was plenty long enough to even cover my entire head too. No bivy used. Still in the wind and with movement, some cold air could get in (Frank Ramos's uninsulated fabric extensions and hood sound like they would have solved this problem though). I, personally, didn't like feeling that on a couple of occasions during the night.
Speaking of cold, windy conditions, I'm surprised that the bivy isn't used just in case the wind kicks up during the cold nights. Being an "insurance" (just-in-case) kind of guy, i'd probably use the bivy in all but the warmest weather.
You both are clearly right about the clothing. I was thinking you might want warmer clothing than a m-bagger might carry, but clearly that was another poor assumption on my part. I don't mind cutting clothing a little closer since when i'm up and about i can always warm up by moving, but also rely on it to possibly keep me warm when sleeping as i try to select my sleeping bag for the expected nighttime temps & then plan for the hi-loft garments to add another +5F (or is it -5?) to the lower range - just in case. So, i thought a quilt user might want just a little more clothing just in case cold air entered the quilt. Wrong again was I!!
Anyways, thanks for correcting my erroneous assumptions. Clearly, i didn't think this through too thoroughly.
Thanks again, Eric. Appreciate you takin' the time to reply and set me straight.