I can be a pretty cold sleeper but unless it’s in the 30s/40s I can’t even have my 20 degree EE quilt touch me without overheating. Most people here are perplexed because if we were using it right, we’d all personally be quite warm, likely too hot in a 10 degree quilt @ 40 degrees.
When you’re cold in a quilt in most of the situations mentioned here, you’ll know that part of you isn’t insulated well. If your foot box is an issue, you’ll have cold feet/legs, if you’re not wearing the right head gear, when you get into the 30s you’re going to start to feel it, but your core overall should be warm. I’d be willing to place money that even though some of these could be a problem for you that you’re also just not creating the seals that are completely and entirely necessary to sleeping warm under a quilt once the temp starts to approach freezing. You can’t troubleshoot anything else until you fix this and if this were Vegas and I could bet, I’d move my entire pot into new user error.
In my book you’d have to be in some serious caloric shock to feel cold at 40 degrees under a 10 degree EE quilt or have some kind of fever/chill situation going on. You have a quality quilt, so don’t be concerned there. I’ve met people who just can’t use quilts, and I can’t say I don’t understand where they’re coming from. If you wake up 10 times in a night to adjust for temperature, you’re not doing yourself any favor in weight savings in my mind.
Obviously test this stuff out at home if you can, you don’t want to find out a quilt doesn’t work for you in 15 degree cold. Focus on the straps, tighten them up, make sure you’re sealed. I also do this which I find helps, it’s a pic of a body on a pad with a quilt over it before we all start to take an ink blot test: