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If you are not needing to buy immediately I would strongly suggest waiting for a PHD sale to buy a bag. I got a Minim 300 bag in a recent sale. I ordered a long/wide bag - 11% wider and 8% longer than standard as I'm 6ft3. The first mummy bag I've had that I fit without compressing the down at the head or toe when using the hood. The weight (not counting stuff sac) is 725g (with a half zip). Obviously a standard size bag would be lighter.
I'm confident it would be usable a few degrees below zero. I compared it side by side with my old bag which was OK down to just above zero and it had far better lofting. PHD rate their Minim 400 at -5C so -3C for the Minim 300? A few degrees colder with extra clothing on.
Another reason for waiting for a sale is that PHD offer non standard bags in their sales. Usually a Minim 300 (300g fill) is only available as a custom bag which is more expensive. My bag was around £250. It depends whether you sleep cold or hot but IMO a 300g fill of good quality goose down is a good compromise for a 3 season bag. Copes with freezing but not overkill for warmer nights.