My next dopey question. Anyone using one and could tell me please if the user levels match the Company specs or whether you have to boost your clothing ''unreasonably' to get there. The Liteline Cumulus 400 specs say -'2 degrees COMFORT' and 'minus four for LIMIT'. Any female users (or anyone) think the 2 is rightish or anyone think the minus four is rightish? My adult daughter may also use it. My 150 (190/OF) quilt seems about right for the 'Comfort' or a bit beyond I was quoted, rather than the 'Limit'. Thanks for any help.