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I'm not putting the Thermarest outside the bivvy - it's staying clean. It's too big anyway so I'm waiting on a yoga mat to arrive and will be trying that out - as it can't puncture it will be outside the bivvy.
I was about to pull the trigger on a PHD bag but now I'm debating sleeping bag vs. camping quilt. The quilt is lighter and you're not so wrapped up in it, getting all twisted and stuff.
Sleeping pad outside of bivvi.
The more you do it, the more you get used to it, for sure.
Get a better sleeping bag.