I have a poncho under quilt and I made a poncho top quilt. If you are a warm sleeper you can get down to 55 night time temps, you probably will feel a chill though. It is really easy to make the no sew underquilt, if you have access to a thread injector sewing it up will allow the addition of sheets of additional insulation just leave a small opening.
They are simple but not extremely warm, good luck.