Western Mountaineering

wm always meets or exceeds people's expectations of warmth.

Since you want a 20 degree bag/quilt, I'd take care of that first, and get something great. Nunatak, Katabatic, Western Mountaineering will use a good chunk of your budget but are worth it.

the feathered friends or western mountaineering options are top notch.

Western Mountaineering is one company that comes to mind that makes high-end, performance sleeping bags and also includes some more generously cut styles (semi-rectangular) among its offerings.

If I was going to spend that much on a quilt I would get one from a down specialist company like Feathered Friends or Western Mountaineering.

I want to give a shoutout to Gossamer Gear, Bearikade, Western Mountaineering and Durston Gear who very kindly helped me replace the backpacking gear lost in the fire.

Highly respected brands like Western Mountaineering do not believe in water resistant down treatments.

Popular recommendations for equipment are generally the most expensive brands available (durston, western mountaineering to name a few).

Will z-packs overstuff it if you send it to them? That’s what I did with a Western Mountaineering bag. Sent it and had it returned overstuffed in 2-3 weeks

If I were you, I'd buy it and if it is really lacking, WM will restuff the down for you. That's a great price