I think you missed out on a few other details of the cold issue there... like, he was wearing a coat nanook of the north would be jealous of? and still colder than cold while I was warm in the exact same setup while not wearing a ton of clothing as well?

Tucking in a quilt assumes you are not wearing so many bulky clothing items that it won't go around you. He asked what I was wearing to bed - I told him I was wearing a shirt and a fleece. He decided to add to the simple scheme considerably and didn't mention it til about 1 in the morning.

There are people in the world who will never be able to generate their own warmth to the degree that comfort in a sleeping bag can happen. I know a lady with chronic thyroid issues who falls into that category.