As mentioned, where you bivy can have a big effect on how warm/cold things can get at night. Under cover, out of the wind and away from still water will generally be warmer.
A good sleeping mat/pad will improve the apparent rating of your bag.
Wearing a jacket inside your sleeping bag can be counter-productive as both bag and jacket work by trapping air so you could end up compressing both so they don’t trap as much air.
As ever, you get mostly what you pay for, PHD kit is top quality (and price) but companies like Cumulus also do good stuff – their bags are distributed as Criterion in the UK. Alpkit is fine as a budget option. Put a similarly rated bag from the three together and the differences are obvious. I’ve down kit from all three BTW, I’ll get Alpkit for the infrequently used stuff and either of PHD or Cumulus for those items where I want/need the best.