Me! I know this is partly a function of sex (more women have this problem) and advanced age (the metabolism slows as you get older, I'm told).
My year-around bag is a 20*F WM Ultralite. Of course I generally do a trip a year to Wyoming's Wind Rivers where it can get that cold any time of year! However, even during a hot spell in the Cascades, it cools down a lot at night, usually to where I do up the zipper most of the way by 2-3 am.
Some years back I tried using a 30*F bag with warm clothing. Didn't work–once it got down close to freezing, I started shivering, even with everything on! With just a base layer and cap, I started getting cold at 40*.
I have definitely noticed that I take more layers than many of the obviously warm-blooded gentlemen who have posted gear lists on this site. However, the difference is maybe a pound. To me, it's well worth it to stay warm!