Guess what I discovered last night. CBS -- yes, you've heard of it? Well, it's true! LOL
It got into the low forties last night and was breezy -- definitely need a quilt protector and I had pitched my tarp a little too high for conditions. I can also see the advantage of enclosing at least one end of the tarp with a poncho. Too stay warm you've got to slow or stop air movement; it is just that simple.