I can see why vendors are optimistic about ratings. If a vendor advertises same sleeping bag at a lower temperature rating, people will tend to buy it instead of the higher rated exact same bag at a different vendor.
And if a vendor is realistic, they will lose sales.
According to Mammut document http://www.mammut.ch/images/Mammut_Sleep_well_pt1_E.pdf
2.6 clo is good for 17 C = 62 F – assumes you wear just base layer inside bag – lower comfort limit for men. Skin temperature is 92 F, so 30 F temperature difference for 2.6 clo
Climashield is speced at 0.82 clo/oz/yd2, so 4 oz climashield is 3.28 clo. This would produce a 38 degree F temperature difference. subtract from 92 F = 54 F temperature rating
So, if you apply the EN13537 assumptions and use the lower comfort limit, then 4 oz Climashield should have a 54 F temperature rating if you wore just a base layer inside.
If you wore a 1.2 clo garment inside the 4 oz Climashield quilt, that would give you an additional 14 F temperature difference. A 1.5 oz/yd2 climashield garment would provide 1.2 clo.
So, if you wore a 1.5 oz/yd2 Climashield garment inside a 4 oz/yd2 Climashield quilt, it would be good down to 40 F using EN13537 lower comfort limit assumptions