I am departing NOBO on the 22nd of Feb and was planning on using a 20 Degree bag. Now I know it is a border line bag for such a early start but also realize I sleep very warm. Though for a little extra measure I have been considering buying a Silk Liner to give myself a little more warmth. The liner's claim 9 Degrees on top of your rating. My question is how accurate is the claim with a 20 Degee Down bag. So any of you out there who have USED a silk liner your input is appreciated. Thanks Grumpy