Just looking at the Montbell sale, it's hard not to jump at some items I've been considering. I just bought a JRB No Sniveller (was considering a Summerlite, but found the JRB used for a good price). It will be my first experience with a quilt. I am now considering getting a MB UL inner jacket at 30% off.
My question is, with a quilt, should I really be looking at a parka (or will I want a balaclava added) to take things down to 20F? I'm pretty sure the jacket + quilt will be fine for torso warmth, but am worried about my head.
Just for reference, I am 5'7", so I can probably pull the quilt up over my head a bit if need be, but I am gathering this is not an optimal seal for keeping heat in. Any thoughts are welcome.
EDIT: Forgot to add, I normally use an OR Ninjaclava. My pad is an older Prolite 3/4 pad.

