"The MB is attractively priced and way light, but I'm thinking I need to bite the bullet and get a warmer bag, maybe a FF Merlin or Osprey."
Great minds think alike. I'm considering the FF bags too…. Sigh. This indecision is getting pricy.
I just used a Hexamid w/a MB UL Spiral #3 in very windy conditions (temps in 50s, low 40s). While warm, I wasn't exactly roasting. I'd imagine I'd be cold anywhere near the twenties or low thirties. Although I really do prefer to wear my puffy to sleep for the morning wake up temps, I like my tent airy but want to be "toasty" as well.
As Eric often suggests, I found haphazadly draping my puffy over me, in my bag, on those nights I couldn't decide if I was too warm or not warm enough worked really well too. Handy in the morning.
The hood on the MB bag is excellent though. I think I must be getting old, I was never concerned with being "toasty" before.
BTW the zipper wasn't where I felt a draft, it was in the back, along the seam where the front baffles meet the rear baffles. A friend of mine (a girl) sat outside with the MB (we were testing it, was only outside for 15 minutes) in her underwear in -2*C (very little wind) and said she felt the cold whenever she put her hand near the zipper. Although, to be fair, neither of us felt it was something we couldn't live with/sleep through.