Hi Sue,
I'm a cold sleeper, always have been, and feel the cold generally too, despite having worked outdoors all year round, all my life*, so I don't think it's just about acclimatisation, we are all a bit different, and females generally feel the cold more.
Some of my male hiking fiends are just beginning to feel the chill themselves as they age, after years of wondering why
i was such a chilly mortal.
But for sure, being tired and hungry doesn't help with tolerance... Of
anything.
I'm almost the opposite to yourself in terms of sleep system, in that I use a sleeping bag atm mostly Alpkit pipedream 400, but 4/5 times, I use it opened as my lower back prefers a recovery pose type arrangement for my legs, so can't be doing with them tied together.
And I barely ever use the hood.. I'm just too much of a fidget, at night.
I think the pipedream is losing her loft, after extended use though.
Plus an insulated neoair.
After this slightly soggy and cold Scottish trip that's just finishing, I'm considering a quilt, with occasional zip up the back option for the odd cold night (high Pyrenees etc)
Probably cumulus, as I hear they will customise, width ways, fill power, and colour
))
Just now I've been wearing down trousers - great tent lounge wear, baselayer, and down jacket, under the bag, and that's been warm enough.
But I'd not want to carry down trews for an extended summer trip, merino legging would be more versatile for chilly mornings that soon warm up.
And I prefer to use my down jacket for pillow making.
I'm going to make a pretty, top sheet only for my mat.
Secured with elastic at the corners.
Which I can then fold in half lengthways to use as a wrap around walking skirt / towel / picnic cloth.
I've got something similar right now, but the fabric is thicker than it needs to be, and isn't full length of mat, for sleeping on.
Will be following all this, and looking into quilts properly when home, but word on street (and hill) seems to be Cumulus are good all round, bang for buck, and EU based..
However much good that will do us ongoing, I don't know .
*although I did experience a hypothermia incident when younger (fish-farming
) and I believe once you've had one, yr more susceptible.