if you are looking for "comfort" rating .. itll be 10F less than the lower limit rating in general … so i suspect for most manufacturers youll need somerthing 10F lower than their generally advertised rating … assuming that most are rated to the lower limit even if accurate
also the partial pad probably didnt help … would you get sufficient R value with your pack on a thin evazote? … your legs feeling cold probably didnt help out
also a snickers bar doesnt help too much before bed … eat something with a high fat content, sausage or cheese … its well known among climbers that if you want "keep you warm food" on a bivi to eat fatty, not sugary foods
if you are constantly malnourished you may well never feel truly warm and need much more insulation at night that normal … you losing weight means your body is burning itself up for energy
also make sure you get your quilt warm before sleeping … either sit ups in it or a hawt nalgene
are you male or female …. if male are you a skinny male with little body fat? … if so then you definitely want the comfort rating
did you wear a VERY warm hat with your quilt? … if the rest of your body is bundled up and all you have is a beanie, then most of the heat loss will now be through the head
i assume you had problems near the lower rating of your quilt?
the bottom line is that you dont know what the problem is … before spending more moola i would try to figure it out on a short trip or in your backyard first
start with the fatty foots, something very warm on the head, and simulate a full length pad (use more foam in the backyard or a bag full of clothese) …
if that doesnt work then it probably means you need a new pad/bag/quilt …. or you can get a summer synth overquilt to boost the temps
but figure out whats wrong first … thats the basics of any troubleshooting
on a side note the problem with these "untested" quilts is that you dont really know how "warm" they are … all you are left with is BPLers giving their subjective impressions …. you dont know if they sleep warm, have a lot of body fat, if they realy tested it down to the proper conditions, etc … and there IS a bias towards cottage gear where almost no one here will post a critical review (and we all know cottage gear aint perfect)
basically you are accepting someone elses word that its "warm" enough for YOU … en-ratings at least give you a solid reference''
and im the owner of a EE 20F quilt
;)
edit …
read this
http://www.mammut.ch/images/Mammut_Sleep_well_pt1_E.pdf
and this
http://www.andy-kirkpatrick.com/articles/view/maximising_your_bags_warmth