Over the weekend, it probably got down into the low 40s on the river.
I had my 20 degree down bag, and my insulated inflatable pad.
I put clothes and stuff in the pockets and just wore shorts and a t-shirt for sleeping. I mostly closed the weathershield both nights. And inside the bag I was actually a touch too warm.
I think the pockets DO make a difference in temperature when you just stuff your clothes and other junk in them. Anything to weight the pocket and pull it "open" Heck, I had my jetboil in one of the pockets. My empty stuff sacks in another. dirty clothes in one pocket, clean clothes in another. etc.
The only time I felt a cold spot was when I let my inflatable pad deflate a bit too much.