Brendan,
My advice is not to take the half steps, which I think will ultimately cost your more money by buying multiple sleeping bags/quilts til you get to the ONE that works for YOU.
In my mind, you have two main choices for quilts, but there are many other manufactures out there who make good products:
http://www.enlightenedequipment.com/
Enlightened Equipment, which I have never owned, but they have a great reputation for quality and value.
http://katabaticgear.com/
Katabatic Gear, which I own two of their quilts…the 22F (bought used on BPL) & 30F (bought new so my girl friend can use my 22F). For me, Katabatic gear is the best, but is expensive.
Reviews:
http://www.outdoorgearlab.com/Ultralight-Sleeping-Bag-Reviews/Katabatic-Gear-Palisade
http://www.backpackinglight.com/cgi-bin/backpackinglight/katabatic_sawatch_quilt_crestone_hood_review.html#.VO4XVPnF_HU
https://www.youtube.com/watch?v=eYynyvY-wVs
Admittedly, if you are a back sleeper, the Katabatic has a lot to offer…maybe perfect at keeping out the drafts and keeping warm.
If you are an active sleeper….still works too.
Things I like that others might not have:
1. Draft Collar around the neck and chest to keep the warmth in
2. Neck snaps that keeps the quilt firmly around your neck and shoulders to prevents cold shoulders, which was my biggest complaint with my Jacks R Better, value quilt
3. Elastic edges on the side of the quilt to help snug the bottom edges closer to your body
4. Pad attachment system that is adjustable in two ways to keep the edges close to your body, which can eliminate drafts that result from your moving around.
(I use a close cell foam pad that is 1/4" wide, sometimes 1/8" wide, so this pad attachment features is not much of a value for me).
Note: In general, I find that when I use a bivy bag as a shelter, it helps with the over issues of having a draft with a quilt, as I am in a very confined space. Being in a tent, the draft issue would be a bigger factor with the great air space and movement of air in a tent. (Again, knowing what YOUR specifics of how you camp/sleep with determine if some of these features matters to YOU).
I find that these 4 aspects of the Katabatic quilt makes them stand out and translates to a lot of warmth for the weight for me.
The down side is that they are expensive vs. many other out there.
For me, the 1-3 features has solved all the issues that I had with my JRB quilt and I don't think that I will be wanting for something better or different…thought I admit that I am very curious about the two person quilts that Enlightened Gear makes. (See what happens when you meet a woman who is silly enough to follow you into the woods??? The desire to buy more gear vs. sticking with my perfected solo/hermit/monk setup!).
Hopefully this will give you some help in breaking down your choices or aiding you in your research.
The leap of faith will be if you are okay with sleeping with a quilt.
I find it more "natural" in that it is like sleeping at home with a blanket, though it was kinda weird, at first, to find myself sleeping directly on my foam pad…just felt "funny".
If you are lucky, maybe there will be a Gathering of Gear Geeks event near where you live and you can hook up with other BPLers and get a chance to get your hands on a quilt and quickly try it out to see if it might work for you.
Tony