At one point, you have two options for various reasons. One might think that the price would be the deciding factor, but it shouldn’t matter to an educated buyer. In your case, it’s a matter of how much insulation the bag has. You usually don’t test the max rating of the bags, unless you really had a change of predicted weather. Some people camp in warmer weather and don’t need that extreme of a bag or are hiking and consider being a little uncomfortable is worth the weight savings.
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