Weather depending, I spent 8 nights in my bag in Oregon last week, definitely stripped down and half unzipped ;)
Going in a few days for 3 nights in northern Nevada and will be wearing thermals.
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By the way, you made a good decision on the bag. You will like it.
i dont like the air pads, to much can go wrong, alot of people love them though. basicaly just another layer between u and earth. thermarest makes arguably the best compact pads out there. i use to never use one until i did and im sold. even used pine needles once when i forgot my pad and froze my arse off, that worked great too.
i dont recommend sleepin naked in elk camp, ur pardners mite not be able to make it for some random reason the following year
I use a marmot 15 deg. bag worked well last year didn't have a pad but I will this year my bag weighs just over 2lbs