I said "average", but maybe I lean more towards warm sometimes. I would have said def "warm" back in the day(on the ground) when I was younger. When I used Marmot and NF down bags with adequate ground pads, I was always plenty warm at or maybe below rated temps. Especially in a tent and especially if other people were in the tent. And usually even under the stars. Once it hit exactly 20*F for 5 nights straight, and I was in a tent with a zero rated Marmot, and I was way to warm every night unless I did major venting.
But then at about age 50 more or less, I got a surprise. On a trip to the Wind Rivers in early Sept, my tent mate was bad sick so I chose to sleep under the stars, which I like to do any way. This was a horse packing trip, so I had the thickest possible Thermarest pad with me. I had my fairly new NF Cat's Meow bag with a Pertex Endurance shell(WPB). Normally rated for 20F, but due to the windproof shell the rating had been boosted to 15F. I do not remember what all I was wearing, but there was plenty of fleece and long johns and fleece hat at the least. I think the lows were only in the upper 20s, but by morning I was kind of cold. Even in full mummy mode, neck collar and hood cinched down to a small breathing hole.
I've been cold once before well above a Marmots rated temps, but I blamed that on sleeping on snow on a 3/4 length Ultralight(thin) Thermarest inflatable pad. This time, there was no snow, all was dry and I was on a TR Camprest, very thick and heavy. I was shocked to be kind of cold.
So, was this a case of the Cat's Meow bag not at all living up to it's rating- as all my NF/Marmot bags had done in the past even under the stars? Or was it me becoming more cold natured as I got older? I tend to think the later. I just don't seem to handle cold quite as well as I used to. But I still figure I am about "average".
For I consider that the sufferings of this present time are not worthy to be compared with the glory that is to be revealed to us....that the creation itself also will be set free from its slavery to corruption into the freedom of the glory of the children of God. For we know that the whole creation groans and suffers the pains of childbirth together until now.