One thing that is essential to figure in this equation is your size vs the bag size, and if you are definitely going to use the down parka and ski pants inside the bag, or not.
Having large empty spaces between you and the bag insulation is not good for staying warm.
With a bag instead of a quilt, you can be as restless as you want, and the bag will move with you. You don't need to worry about the open back being exposed, such as with a quilt.
The WM Badger is a great bag, but it's huge. 66" around at the chest.
To give you some idea, I have a WM Alpinlite rated to 20 degrees that is 64" around the chest, and I have gobs of room in it. And I'm 5'10" tall and 225 pounds with a 46" chest. So, if you are smaller or thinner than I am, you'll be swimming around inside the Badger, and that's not good for warmth.
And the larger cut bags are also heavier to carry, and bulkier to pack.
I would seriously take a close look at the sizes of these bags, and try to get a good fit from a bag that will take you down to the temps you want, either with or without wearing your ski clothes inside it. But if you depend on your down clothing inside, you need to be sure that down clothing is not compromised with moisture, or damaged. Because then you'll be cold at night without those clothes.
WM is very good at temp ratings, and you could use the women's(10 degree higher temperature) rating for being conservative in the rating.
If you are slim, you can get a super nice WM Apache MF with the same 15 degree rating with lower carry weight and bulk, and the better fit will be warmer than the looser bags.
If you want some extra room, and a lower temp bag, the WM Versalite has a 10 dgeree rating, and is one of the most popular bags ever, and is only 62" around, so it won't be as huge around you.
And if you want even warmer with about the same dimensions inside, the WM Antelope MF has a 5 degree rating, with the same 62" inside chest dimension. Even using the women's rating of +10 degrees to the rating, that 5 degree bag would still rate at 15 degrees on the women's scale. That's a good warm bag.
So, you can get a very warm bag, but you need to size it properly to get the most out of it. If you definitely want to depend on wearing your ski clothes inside, the get some good measurements with those clothes on, leaving the proper room for lofting of their insulation, and then see what bag measurements would be appropriate. You should be able to use a lighter bag with less insulation if you are wearing all those clothes inside the bag.
And don't overlook the potential warmth improvement of a Vapor Barrier Layer inside.