I sleep very warm compared to most, and I find that my threshold for CBS is about 65.
From 55 to 65, I can get by with a sit-pad-sized piece of CCF and my poncho liner top quilt. That's enough to keep my core warm, which keeps the rest of me warm. Below 55, I either need a full-sized pad or an underquilt.
I prefer a top quilt any time the temps dip below 70 or so. I'm good above 70 without (though I always bring one just in case the forecast is...not correct), and I actually prefer to do without above 75. Which is easy enough; I just kick it off.
Anyway, those are my thresholds. Most folks are probably 5 to 10 degrees warmer than that.
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