Humm. We have the 06 3400 Keystone Montana with the so called artic package and the Good to zero claim..We used 11 tanks of propane in Apache Junction, Az last winter (12 weeks) and it never got to 20F.. Temp set at 72F hot water tank and fridge on electric.. However I do not consider 20F extremely cold weather camping.Any brand that will advertise..artic package or all weather/all season camping will give you a advantage in terms of a bit more insulation but keep in mind those are marketing terms there will still be many modifications to be made for comfortablecold weather living. You should be Ok at 20F
By the way the games are held in Vancover in 2010 and it gets a bit lower than 20F there in the winter.
Check this for the Keystone line www.keystone.com
Check other brand web sirts as well for ratings and spec's
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