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hippy-
yeah, depends on relative ratings of bag vs jacket, etc. experience is the only way to find out.
I find I get very hot riding in a down jacket, so I take a lightweight fleece baselayer instead which I can sleep in, stays warm if it gets wet, weighs very little, instead, but my body is like a pressure cooker during excercise!
platypus
take sleeping bag, bag cover, and foam mat. then add down jacket if it seems like it will be very cold. used that combination so many times and it's perfect