I have not seen anything that does what you are describing, and I'm familiar with pretty much every quilt or bag discussed here.
However, a Top Quilt that is wide enough to 'tuck' around you when you are on a pad when you use the tent would be the solution. Many dedicated tarp and tent campers use quilts in just that manner anyway.
So, I'd suggest a TQ/UQ combo just being sure that you get at TQ that is wide enough. Any number of the vendors here either already make models that will work, or will customize to suit you.
“I think that when the lies are all told and forgot the truth will be there yet. It dont move about from place to place and it dont change from time to time. You cant corrupt it any more than you can salt salt.” - Cormac McCarthy