Just throwing it out there – Differential cut is one thing that makes Katabatic, Nunutak, and now Warbonnet different from the pack (am I forgetting anyone else?). I just ordered Warb quilts with Diff cut because they are substantially cheaper than the (kick ass) diff cut alternatives and I have been very happy with other Warb gear.
Id add a Warbonett Diamondback quilt to your consideration as well. (They also offer ETC and draft collars which will make a quilt less drafty compared to those lacking these features)
To me, 2.5in loft is not 20* comfort rated nor is 3in 10* unless you have Gryffon Gear style (160%) overstuff (which essentially leads to extra loft by pushing on the baffles so much). The Katabatic or Nunutak loft:temp ratio is much closer to comfort vs everyone else who uses the 1.5in @ 40* + 0.5in per 10* beyond that.The typical scale is only comfort if Im wearing my down jacket, pants, and booties, but that is not a comfort rating IMO if I have to wear all my gear to bed. This applies more to sub 30* temps vs 40 or 50*.