I’ve got a 600g ME down bag rated to +8 deg that’s plenty cosy enough for spring / autumn with frosy mornings, and I’ve used a fleece liner on it’s own with a bivi bag in the summer, with a light down gillet worn in it. Saves about 150g, so not really worth it unless it’s a really minimal overnighter trip.
If a tarp offers good coverage it’ll stop condensation forming on your bag, I’ve used a tarp and no bivi bag a few times in the summer. Mainly as my old bag is a bit too warm, an Alpine bag rated to -5. Aim for dry ground, use bracken etc to give a bit of insulation and bag protection, works ok.