So I'm trying to decide between buying a 0 degree bag and a -20 degree bag.
I do a lot of backpacking and a fair amount of semi-serious mountaineering, and because I live in the inland northwest, much of this involves sleeping out during nights where temperatures are between 20 and 45 during pretty much everything but the height of summer. I already have a 15 degree bag that works well for most nights in this temperature range, even though it's getting old and has lost some loft. With this bag, though, I'm usually good until about 25 degrees (where I have to sleep in it wearing a few layers) or even 20 degrees if there's little to no wind. However, I've just recently had a few 10-15 degree nights, and these have been genuinely uncomfortable to the point that I was legitimately worried about fingers and toes come morning.
Hence, the new bag. I don't intend to make a frequent habit of sleeping out when the temperature is below 15-20 degrees, but I'd like to have a bag in which I could comfortably sleep wearing only my base layer between, say, 10-30 degrees (and use my old bag for anything warmer). I'd also like to be able to feel safe if I *did* get stuck outside on a night I thought it would be more like 15 and it ended up being 0-5, though this would be something that would happen rarely, if at all.
So on one hand, this makes it sound as if a 0 degree bag would be perfect for me. On the other hand, I've frequently heard (including from the guy at REI today) that you should always buy a bag that's rated for 10-15 degrees colder than the temps you're planning on using it for, AND I'm a cold sleeper who doesn't sleep well on his back and would absolutely not mind paying another $100-$150 to have the ability to sleep in a partially-zipped bag in his thermals only in 10-15 degree weather. So now I'm thinking that maybe getting a -20 bag isn't as ridiculous as it seemed to me at first. On the other hand, I don't want the bag to be so hot that sweat into it when it's 20 degrees out and then am soaked for the rest of the night.
So that's all to ask:
1) Will a 0 degree bag be only a little warmer than a 15 degree bag, that it's not worth paying another $300 just to basically tread water in terms of my ability to be comfortable during rare high-altitude/high-wind bivies?
2) Will a -20 degree bag be so absurdly warm that I wouldn't actually be able to use it for 20-25 degree nights and would waste a bunch of money to end up still having a gap in between 10 degrees and 25 degrees where I had no bag that allowed me to sleep comfortably?
If it helps, I have an MSR AC Bivy and a Sierra Designs Zolo 1 that I alternate between depending on the conditions and how comfortably I want to be able to sleep on any given trip.
Thanks for any help; I've already talked to a number of really helpful employees at various gear stores about this, but I'd love more feedback before I put the money down.