One of the things i plan on trying if we ever get some real cold around here (for me, that is 10 f and colder), is to try something like what you just talked about. A VBL loosely drapped on top of me in between myself and the insulation.
It's not an original idea, Doug (Idester) had mentioned it before, and he seems like a pretty smart and experienced guy. He said it allows some venting of moisture, but not directly in the quilt. (provided the VBL is larger than the quilt).
In your case, one of the things i would make sure, is not to wear the down jacket while doing this, but drape it on top of the cuben, or on top of your quilt, rather than wearing below it.
I would expect above 25, that even with some moisture venting, it might be a wee bit uncomfortable, but that is just a guess.