Pratt, you are on to something! Have given it thought, however what's the fun in hotels night after night? Too easy. The size I need is XL. BIG. Also have realized that the only winter camping I do is on foot, not by bike. Will stay with the old Army bag and concentrate on finding the appropriate quilt. I have stumbled upon a hammock top quilt by a company called One Wind. They have an 84x53 top quilt. Looking into it some more, and going to see what other top quilts are out there.
Anyway, everyone here has been very helpful and it is much appreciated.