To answer your immediate question: Yes, with all that extra insulation you listed, I think you'd be fine down to zero, assuming you could get the Summerlite zipped and still move. You've only got 59 inches of shoulder girth in there to start with. Compressed loft does not add much warmth. That said………..
Fact: You want to be warm at 20°
Fact: The Aplinlite is just a wider-cut version of the Ultralite (64" vs 59"). All other features are either identical (collars, loft) or proportional to the added girth (fill and total weights, stuffed size) .
Assumed: a 59 inch shoulder girth is adequate room for you AND your insulating jacket to move around comfortably without compressing its loft. BE SURE THAT'S RIGHT BEFORE YOU BUY. Try them at the store.
Assumed: You are going to see a significant number of 20° nights.
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I'd recommend either of these two WM bags: the Ultralite or the Apache MF (multifiber). The Apache takes you to 15° and adds the MF shell, which could be a benefit for tarp users or those who like to cowboy-camp.
I've had a MF bag for 10 years and love its wind blocking and water resistant MF shell. In fact, my wife and I have a pair of Sycamore MF bags (25°) and I use mine for PCT section hikes each August or September.
Note that with the exception of the Ultralite and the Apache MF and GWS bags, all of WM's bags for 20° and below have shoulder girths in excess of 60 inches. There has to be a good reason for that.
At 5'9" and 185 pounds, I've found the 59" girth too confining for my rolly-polly sleeping style. If that weren't true, I'd be asking the same questions you are, and would buy the Summerlite while automatically including my Patagonia Micropuff pullover and a pair of mid-weight merino wool bottoms to my pack every time.