You will find EN ratings to be accurate within their parameters. They use a pad, thick wool socks and long johns (and a balaclava?) on the test dummy. You can look at this as taking the numbers and adding 5-10F to them.
While liners may add a bit, 5-8F, that is not their big job. They are designed more to keep a sleeping bag clean. I find them annoying.
Like Franco says, GVP is a SULer. while it is true that insulation is best spent in a bag, you cannot ignore the down jacket. At tis point I would disagree with him. I rarely hike for more than 10 hours. Usually closer to 6 or 8. Getting up in the morning is often a cold, frozen affair. Dew, ice and cold weather conspire to make my morning oatmeal (Marco's Mud) taste delicious. Warm, and steamy as I sit under my bag with my jacket on listening to a bird. When i get to camp, it is often the first thing I put on, after getting out of my hiking shirt (often soaked with sweat.) I use it about 12 hours per day, including sleeping. The ADK's can be cold, even in summer. A jacket is an essential part of my base weight, along with rain gear and a tarp. The second part of staying warm, perhaps equally important, is being wet. Down can fail if it gets wet. A jacket is much more versitile than extra insulation in a bag, even if it weighs ~4-5 ounces more (discounting the down which could have been added to the bag.)
But, long johns, wool socks and my jacket will only take my sleeping system down about 10F. I have been out to 25F, but it was cool, not really comfortable. My base load is about 8 pounds. I don't carry a lot of clothing. 2 pair of socks, jacket, long johns, lightweight fleece pullover, rain jacket. At 32F, in the ADK mountain mist, I may need all of it. In Peru, you will need more. Don't go so very light you skip a bit of extra insulation.
Generally, I have found that you cannot extend a bag much beyond 10-15F. you will have some cold spots. Extra internal insulation (a jacket) only works as long as it has room to loft. Thicker materials, or more layers will stretch the fabric removing loft. so making it warmer with multiple layers often doesn't work. A liner, long johns and a jacket, for instance, is about the max you can use in a bag, or, about 10F. A quilt is a bit better in this regard, but, you may get more drafts.