At the end of the day it comes down to what you find works, and what you find is comfortable. Not surprisingly people have different ideas on this.
All theories and formulas aside, I can't stand sleeping in lots of clothes and I don't go into the outdoors looking for discomfort, and a good night's sleep is important. If that requires a slightly heavier bag then thats OK for me. Having said that, my bag is a Macpac Ember, with 500gm of down and a pertex or reflex outer (can't remember which). Although I've never weighed it, it is quoted as being 1.15kg, so weight isn't much of an issue anyway. I could have gone for a 700gm bag, but I was persuaded by the salesman that I probably wouldn't need that much (even though he could have sold me a much more expensive bag that I went into the shop looking for!).
I have found by experience with this bag and others I have used, that less is more, and I am warmer with only a layer of thermals or a T shirt. If it is really cold I find a hat helps keep in any extra heat that might be lost around the head. I wont sleep without a top of some kind on, since there is always a little bit of a draft around the shoulders.