+1 for 20 degree bag. Slept in my base layer with a winter hat and had no issues in the high country of Co [mid-september]. We woke up to heavy frost every morning.
I use a self designed "system" that works for me.
15 degree bag, fleece sleeping bag liner, and an emergency blanket mummy bag as a sleeping bag cover. Between the three I can cover all situations I may find myself in except winter where a much warmer bag is a necessity.
Last yr on the AT hiking in late February, we encountered some unseasonably cold temps. The temps the first night were about 12 degrees and the wind was blowing 25. It was absolutely brutal and I had a 20 degree bag. I picked up a tip from another guy on the trail. I boiled two cups of water and poured it in my Nalgene bottle and put it in my bag the next night and it was incredible. The warmth probably lasted a good 4-5 hrs. Great tip and made a huge difference the next two nights.
My wife and I both sleep in Marmot 15 degree bags. We backpack in 11,000 ft every year and have always slept warm through September and October. I agree with the suggestions mentioned in previous posts. It is very important to keep a down bag hung when not in use so it keeps its loft. Also a good pad will be a very important. My wife is a cold sleeper and she is always warm even well below freezing.
I stand corrected. The above is in a wall tent with three other guys. At 15F in my flycreek, i needed to put on a full base layer and yank the mummy drawstring full tight and still my nose and exposed face got cool.