My wife and I camp in cold weather a lot, but most of the time we are on skis
We've experienced freezing weather on bike trips, but so far no snow. We were prepared and it was not a problem. Depending on the time of year and location, we carry light weight puff jackets, which can supplement our usual bike touring sleeping bags optimistically rated at 25F.
Icefield Parkway, Alberta, Canada-- 4 layers in early June
Bike turing-- Journaling. I'm not sure how many layers she had on
Ski Touring-- Journaling
