In reply to epik:
> i've slept in a 3 man tent with two mates who both had almost identical bags
ALMOST identical bags. So not identical, then.
TWO MATES. Who no doubt have different physiologies, as we all do. Had you all eaten and drunk the same amount before going to bed? Were you all the same temperature before you got into your bags? Are you all the same size and bodyweight? Maybe you sleep hot, and they don't.
I agree that if you wear so much clothing that you compress the down in the bag, it can't work. However, since I'm not a fat pie eater, there's plenty of room inside my bags to wear quite a bit of insulating clothing. And I suspect that is the case for most people.
I also agree that simply adding more down to a bag can be counter-productive, as the down can't loft fully, and dead air space becomes filled with more conductive down fibres.
The only argument I've seen for sleeping naked is that the down in the bag requires body heat to loft fully and achieve its full insulating properties. If you wear insulating clothing, this heat may not reach the bag, so it is less effective. It's not an entirely convincing argument, as, in order for you to feel cold, you MUST be losing heat to the system (outside the bag), more heat than you would if the bag were working correctly. Why then does this higher heat flux not warm the down?
It may be that clothing traps insensible perspiration closer to the body, which somehow makes you feel colder. With no clothing, the perspiration may pass into the bag, and this might make you feel more comfortable.