A lot of different factors to think about – do you sleep hot or cold normally, what you ate before going to bed, etc. Probably the biggest is what sort of sleeping mat you have? You can lose a lot of heat through conduction into the ground.
add to this, the massive variation in temps that prevail between Apr and Oct and between London and Inverness. So the answer is Yes, No, maybe, depending on the conditions on the day and all the other stuff.
As above, one of the key base points is the thermal insulation of the mat. My personal sleeping pref is a super lightweight sleeping bag (I’ve got an ME Dewline) with light down gilet/jacket, bit more useful around camp than just a big sleeping bag.