So far, I favor my wife's 30 degree bag over my own 0 degree bag. Saves about a pound of weight and I've yet to get cold in it. Quilts are fine for the summer here but I'd think that you'd gain back in sleeping pad weight whatever you'd lose in sleeping bag weight. I haven't tried it yet, though. I use my mummy as a quilt if it's not too cold. I rarely go out when temps are much below the mid 30s, though, so adjust for your own stomping grounds.
My light setup is a 30 deg mummy bag, simple ridgerest pad, Borah bivy & nylon sil-tarp for a rain cover. A small, backpacking pillow on top of my backpack is very comfy. I've woken up frosted and stayed plenty warm with that setup. Extra insulation comes from my daytime wear (jacket, beanie, thermals, etc.). I'll sleep with my jacket and beanie on if it's cool. I often get cold during the day but I stay pretty warm at night.
Personally, I'd stay away from the military systems. From what I've seen, they're pretty heavy for what you're getting. If you're car camping or not going too far, then that would be okay, I suppose. But I hate carrying extra pounds if there are lighter alternatives.