What do you do about bugs? I have been attacked at night on many occasions, especially when it's warm.
I use a tarp, mostly. With a slight bit of mesh over my face and hands when it gets warm. At night time temps above 85F, though, it gets too hot. I look to a thin ground pad, like a piece of mylar or the like, for some sort of comfort at these temps. One of the reasons I say that having multiple pads is likely the way to go over the course of a year. Though, I am too old for much winter camping anymore...