I just spent 3 nights at the Flat Laurel Creek area in western NC. The forecast was for a low of 40 deg. (Asheville Airport) but judging by the frost, it was a good bit colder. In my HH with UC, pad, space blanket and 32 deg bag, 2 pairs of poly long underwear, a knit cap and a down "sweater" left me feeling clammy which made the cold seem worse.
On night 3 (the coldest night), I dropped one layer of long underwear. I woke up shivering heavily. That warmed me up nicely(!) and I managed to go back to sleep (with my head in the bag).
I'm saving my pennies for a proper down UQ and TQ.
"A bore is a man who deprives you of solitude without providing you with company." Gian Vincenzo Gravina (1664 - 1718)