My experience tells me that much is to do with how much room is inside the bag you are working with. if the bag doesn’t have enough room to allow the clothing to loft and expand to its maximum then you are chasing your tail trying to extend its range downwards by wearing clothing inside it. Now I have to clarify here and say that I always buy a sleeping bag in Expedition cut to allow for the use of high loft clothing inside and that for summer use I have LW synthetic bags.
If you have a skinny cut bag [ and so far all the UL bags I have experience with are very narrow to get the weight minimised] the only real way to extend the range is with an overbag and because an overbag is; by its very nature large the weight is going to be correspondingly high compared to a sleeping bag with the correct temperature rating
Secondly for me personally it is my legs that get cold/lose heat rapidly and an UL half bag is warmer than insulated pants and sleeping socks but in very cold conditions I will use a half bag plus insulated clothing. If my legs are not losing heat I need less insulation on my upper torso
Also I now sleep very cold but that is age related.
Common wisdom here is that for every decade after 35 YO you need an extra 5 to 8C added to the lower temperature rating of your sleeping kit, so my -4C climbing bag [ rated -30C with clothing] is now only good to 5C/8C as a conservative rating and why I always use my Goretex Bivvy with it.

