I'll preface this with, I am a warm sleeper. The short answer - hopefully not.
The last trip I went on (end of October), the temp got down to 34. I had a full length thermarest pad and a 30 degree bag and I wore wool socks, silk long johns and a wool hat.
I was very toasty. Originally had on a sweatshirt, but had to take that off around 2:00am.
Hopefully, you will be able to combine either the CCF or another pad with the sleeping bag and be toasty too.