I've done the clothes dry out thing in both Wiggy's and down. Neither were sopping wet, in fact both were really just damp but both worked. I like both down and wiggy's myself. Both serve their purpose for sure. Its funny though the difference between a 30 degree and 15 degree bag is only usually around a half pound or so, for me I'd rather run a Neo Air with a 15 degree bag than a 30 degree bag and a Big Agnes which would be about equal in weight. Of course I am one to talk though, I take a 9 oz Neo Air short and a 23 oz 25 degree quilt when solo during the summer and sleep just fine in just my base layers.
On longer backpacking trips the extra comfort of sleeping in just base layers by having a bag warm enough to accommodate that is worth the extra half pound to get the next bag rated for colder temps rather than wearing my puffy coat to bed. However, like I said shorter 1-3 day trips I can make the sacrifice

All about finding a system that works for you as you know.