During March through early May – in the mornings, all horizontal surfaces are covered with really large water droplets. Each drop is about 3/8" / 10mm in diameter and 3/16" / 3 mm in height.
I'm not sure my bag ever had DWR coating (it's an older bag, and I never tried cowboy camping before), or if the coating is just worn off (the bag has been washed a dozen times).
The temperature rating on the bag (which use as a quilt in those temperatures) is usually fine in these conditions under my tarp, and I used the same pad I always use (a BA insulated air core). I also ate well, had a snickers and some water before bed, and wasn't unusually tired/sore – so my heat output should have been fine. When I woke up chilly and damp, I just put on a fleece jacket, and tucked my legs into a 100 wt fleece shirt, and slept fine the rest of the night.
But when I woke up in the morning, the insulation in the sleeping bag was definitely damp. The insulation was dampest near the outside by a wide margin.
A bivy with a good DWR might fix it, and be nicer to use than my groundsheet under my tarp (I move around a lot so I need to put gear near my feet to keep them on the groundsheet since the ground is always damp and sometimes muddy).
But if a bivy would just make the situation worse on the east coast where we always have heavy condensation, I'd rather skip the expense of buying one :)