Have you tried it, Tom? Very counterintuitive but seems like I stripped down a bit and was warmer, hey, it's free to try. If it doesn't work, don't do it. FWIW the bear is naked too!

Was thinking about it, perhaps clothing would insulate you from the body heat trapped by the bag? Just a guess.

What about using your -20 bag maybe without a pad and opened up a bit? fun to buy new gear, though.

I have to wonder, in the interest of science, how often would your husband leave you behind or let you go backpacking alone if you followed my original instructions to a T? Perhaps you could mention a suggestion you heard on a forum. Could lead to things that can be dangerous to do in a tent in bear country, or so I've read. Remember, science can be fun. There I go meddling......again.