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http://theultimatehang.com/2013/01/22/diy-poncho-liner-under-quilt-pluq-sew-and-no-sew/
Think I'd go for something like this as a 'dipping my toe' solution, poncho liners are £20-25 on eBay. You could probably even just get away with attaching some shock cord directly to the ties for a super easy bodge version. Obviously heavier than down but at least you know you're getting reliable insulation, it's waterproof, and your conscience can remain clear.
Whatever you do I'd be interested to know the results.
ThePeginator
The unknown sourced down is a reasoable concern.
The temp rating being lower isn't so important as i was thinking of still using a sleeping bag but wanted something easily packable and cheap to use as an underquilt in addition.
Another idea just buy a bit of tyvek and add loops to it so I can hang it on the underside to block windchill