– as noted above, it depends on yr bag … if yr bag has a lot of dead space, then filling up that dead space will improve the insulation
– depends on what you mean by "layers" … wearing base layers of fleece theres no real concern as the warm air can move easily IMO between the body parts … but once you start sleeping in shelled puffy jackets, i think you lose something as each limb is independently insulated … think gloves vs mitts … personally i want the warmth of my body to also warm up that of my arms,legs, etc … you can do this my simply using yr jacket as a quilt inside or outside the bag … little kids know this as everyone has seen kids in jackets with their arms inside the body and the sleeves empty looking like fu manchu
– depends on moisture … IMO wearing damp clothes inside yr bag is a very bad idea in cold humid climates … there have been several threads on BPL where people wore damp clothes to sleep and woke up with a wet bag .. the basic fact is that insulation works best when dry … why anyone would want to bring damp puffy jackets inside a down sleeping system is beyond me … i will bring in damp down jackets into a synth bag, but then synth dries much easier and is less susceptible to moisture
– generally you want the best insulation to be closest to you … i think everyone will agree that it makes little sense to put the least insulating components closest to your body and the best insulating components farthest away … which incidently you are doing if you wear synth puffies, lower or damp down, etc inside yr bag … as often the UL down bag is the most insulating and dryest component of yr system
– dew point moisture is an issue should you decide to wear clothing inside yr bag IMO … again there have been threads where people have down synth clothing or other such inside their bag and woken up with a wet bag .. everyone knows that a synth overbag should go over a down bag, everyone also knows that generally the last layer is often where the moisture will condense in a sleep system … yet for some reason many people wear their puffy clothing inside their down bags … in effect turning them into overbags …
i expect to see a few posts this winter of people getting condensation problems in their bags again … and i would bet that for many of them the down bag will be the outer layer (maybe with a light bivy) of their system