I was in my quilt. It was 34F. I slept on my side. I was wearing a shirt and insulated vest.
On the side facing up, the quilt was against my side. I measured the temperature at the surface of my insulated vest. It was 70F.
On my front, which was facing sideways, there was an air gap of several inches. I measured the temperature at the outside surface of my insulated vest. It was 68 F.
If my entire body surface area was facing an air gap like that, I would be 2F colder. If I could put the quilt against me all around, I would be able to sleep in 2F colder temperature.
Since that air gap is over only about 1/3 of my surface area, putting the quilt against me would allow me to sleep in 2/3 degree F.
I don’t think this is a significant factor.
Of course, if you filled the gap with insulation that would add warmth, but it would also weigh more.

