I'm a very cold sleeper, and, after quite a bit of experimentation) I've concluded that my Katabatic Palisade 30 deg will not take me through all three seasons, which is acceptable to around 40 deg (with down jacket and pants). So, I'm thinking about ordering a wide Sawatch 15 deg bag. The goal is to be warm down to 20 deg (with down jacket and pants). If I pull the trigger on this new quilt, I'd probably order it with some overfill. It is possible to order up to 5oz extra. I imagine that excessive overfill would be counter-productive. I'm wondering if anyone out there ordered this quilt with overfill. If so, how much did you add?