I just ordered the Potomac (Kickass!) Underquilt in Camo/Black (of course!), and my wife gave me the "this had better be it for a while" lecture.
I sleep cold, and during my last camping trip I got tired of messing with a pad in my HH for weather that's not even cold. I checked out the Nest and No Sniveler, but my budget just could NOT stretch that far. The Shenandoah quilt wouldn't take me to the lowest temps I would require (around 30-35 degrees, below that I'm staying home), but the price was right.
I'm hoping to be able to go on some fall/winter trips this year. Can't wait to try this underquilt.
PS. I checked out the http://www.kickassquilts.com make it yourself section, but it would cost me much agony and stress to make one, and most likely end up costing me more $$ given the many mistakes I'd make. I truly respect anyone who can make their own stuff.