I used a 20 degree GoLite quilt on the PCT last year from Three Points (in the San Gabriels) to Mt. Shasta, from end of May after a snow storm to end of July in oppressive heat. I loved it.
Once in a while I woke up a little cold real early in the morning. I put on my down sweater and warmed right up.
I did not mind not having a hood. I tend to sleep on my side or stomach so hoods don't work that well for me. I wore a hat to bed that had a chin strap so that it would stay on.
I could pull the top of the quilt over my head, snap a little snap around in front and pull the drawstring a bit to cinch it around my head. I would sleep all the way inside with my head covered with no problem from my breath.
It was toasty warm down. I have never been so warm with so little down. I fluffed it up each night before I laid it out. And when I cowboy-camped in a breeze, it fluffed itself up and was even warmer.
I don't know what the temperatures were each night I was out there. I can imagine the quilt would be warm for this easily-chilled lady into the upper 20s.
I found sleeping right against the foam pad to be warmer than I expected, almost too warm. Sometimes it was sweaty and uncomfortable. And when the nights were hot, it didn't really work like a blanket where you can toss part of it aside and stick your feet out. Being attached to the pad and having a foot box kind of limits the configurations. Any sleeping bag without a full zipper would be worse.
I really like the quilt and will use it any time the temperatures are within its range.