Originally Posted by
robow
Question for you that do use a liner, do you feel it lowers the rating of your bag by 10 degrees, i.e. takes a +40 deg F. to a +30 deg F ? I've heard mixed reviews as to whether there really is any insulative value with thin liners. Thanks.
Yes, IME. My 20 year old bag used to be a 20F bag, now it's good to about 40F without liner, 30F with liner.
Though, I'm not sure one more answer is going to nail this question down. Unless you think
this random stranger on the internet has the definitive answer (which, of course is actually the case
, reviews will still be mixed with one more vote for "yes."