I say try it on some cold nights then, probably with the full tent the first time. Start with expected temps of zero for a single night and see how you do. I am a warm sleeper as well, and I was just out a few weekends ago at -12 in a WM Antalope which is a 5 above rated bag, about 6-7 inches of loft. I was sick as a dog, and didn't eat much food for dinner so little sleep was had and I was moderatly cold but I am still alive. A few weeks later I spend 3 nights at or below zero in that bag and was fine. I would be confident that I could SURVIVE in that bag down to -20 with a full belly and my base layer on. If was going to be colder every layer I take would go on my body and then I would make it to the morning to pack up and walk home beaten and destroyed by the mountains.
My point is, give it a try. It won't kill you (within reason no -20 as a test night), you just may not sleep much. Make sure you eat a big dinner, take a few extra layers and more food into the sleeping bag with you so that if you wake up cold in the middle of the night you can put on more clothes and eat. As far as how to arrange them I would sleep zipped up in the heavier of the two and take the lighter one and lay it over you like a quilt push the down to the top on both bags and go for it.
Good luck! Hurry up and get on it before this February thaw melts all of our snow!