Advise on layering sleepingbag and quilt vs two quilts.

Hello beuatiful people.

I am currently looking to upgrade my sleep system for 4 season use and am considering layering either a down mummy bag with a synthetic apex quilt on top, or a down quilt and an apex quilt on top. My question is less about the warmth of it and more so about the ease of use. I imagine both to be quite cumbersome to get in and out of, having to either open the zip and pad attachment or the multiple pad attachments of two quilts.

So my question is, if any of you have expirience with either of those two setups.