I've been hammock camping since before it was a thing. I'm sure I own 7-10 hammocks, 3 underquilts, top quilts, pads, etc. I've probably spent 10-15 nights in this hammock so far and it's so easy, so cozy and exactly what it is advertised to be. I don't know about 20 degrees, but I've been down to freezing and reasonably comfortable. There's no having to move the quilt to cover your shoulder, no problem sealing the quilt, no tucking the top quilt then being totally still so you don't get cold. It's like hanging a sleeping bag from two trees and losing yourself in the puff of quilting. Love it.