In my elder years I started using a large insulating pad and then opened up my sleeping bag - using it as more of a quilt than a bag - with my feet stuck into the mummy foot area. I found that much more comfortable.

I'd read that ultra-light backpackers have started using quilts instead of sleeping bags. Has anyone here used one?

I think I'd want some kind of a foot pocket just to allow me to kind of hold the quilt in place and thus to minimize the size of the quilt.