Its easier and much less fuss to open a zip if you are hot, than it is to wake up cold and then convince yourself to get up and add layers. I know i would probably lie in a limbo like state for a while before i put more layers on, less quality sleep. Im sure there are plenty that will chime in who use the 30 bag and additional layers who are happy doing so.
I think AndyB nailed it perfectly...I've been there!
I've had a 15 now for quite a few years, and it has been perfect for me in Alaska from spring bear hunting to remote pack-raft fishing to late fall moose and October Kodiak goats.