in preparing for a backpacking trip into the mountains of western north carolina a few year's back (nantahala and pisgah national forest), one of the major concerns was the unpredictable weather. over the course of a 10 day trip during march, we came across everything from what felt like 70 degree days without a cloud in the sky to a miserable afternoon and evening of freezing rain. it regularly dropped into the 30's (and 20's on a couple nights) at night.
not to denigrate any other brands of sleeping bag, but while several of my crewmates were shivering and generally kind of hating life at night, i found myself to be positively toasty in my wiggy's bag with just a lightweight wicking layer (polypro) and a knit cap made by mom. also had the pleasure of camping in pisgah in the middle of october. again, while my mates who owned other name brand (read: crazy expensive and commercially well known) bags teeth were chattering, i was almost sweating in my wiggy's ftrss. the underbag (i have the ultralight) is rated to +20 degrees. with the overbag, i think it's rated to -20 degrees: more protection than most people will ever need. in both cases, i used a sleeping pad: a no-frills foam sleeping pad on my march trip, a regular thermarest in october.
couldn't agree with diligence more: cotton will only make you wet, which is the LAST thing you want to have happen while cold weather camping. and the tips on fueling up and getting the blood moving before sacking out are also great..
happy camping, and stay dry out there!
steve