I am new to hanging and get cold easily. On the ground I sleep fully clothed and use a 0 deg bag when under 50 deg, add insulated coveralls and hothands at my feet when under 20 deg. I am going to try a pad in the pocket of my BB which is reflective on one side and XPE on the other (8 oz). To me there is no such thing as too warm. I plan on using all of the above in my BB as conditions warrant.
It seems that most discussion of cold weather involves those who are partially clothed and without a bag but maybe adding an over/underquilt.
I am considering adding an underquilt, minicel pad and maybe one of pgibson's new topcovers for those less than 20 deg nights. I am already shedding nearly 3 lbs leaving my ground setup behind, so the added weight of underquilt/minicel/topcover should not be an issue. I know this is subjective, but assuming I am using all of my usual gear, am I overkilling this by adding the underquilt/minicel/topcover or would my 0 deg bag with the reflective/XPE pad be a good start?