This came up on another thread. For winter, I wear a Capilene base layer, socks, sometimes even booties, light gloves and a balaclava because my bag is only +23F rated. I have used an overbag or just toss my parka (in my picture) on top for extra warmth. Two pads-a Ridgerest and a Thermorest-full length. If I had a warmer bag, I'd still wear the Capilene-keeps the bag cleaner.
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Don't get me started, you know how I get.