Polar Pod +20

Eh, depends on your use case. I'm in Alaska and I use a 20 degree rated REI bag. But I'm also not camping in colder seasons. If I were going out anytime other than between May-October, I'd have a -10 rated down bag.

My wife and I bought the same model REI mummy bags for this reason. The men and women's zippers are on opposite sides, so you can zip them together.

Oh that's not how the rei ones are

I would definitely recommend a warmer bag, especially if you are in Canada, like maybe 20-30 degrees. I have a mummy bag but it's a bit oversized (REI) so I can move around a bit more.