Dear Fatback,
Your question caught my attention because I’ve been wondering what the result would be if I combined a -10F bag with a +20F bag.
Now, you could fuss around with “inches of loft” figures which many sleeping bag manufacturers provide along with their temperature ratings; but, those figures are for their products and so are not really transferable–I would never rely on them and neither should you.
The ultimate answer, for me, is to try out different combinations of equipment in my yard, where a retreat to safety is possible if need be.
If I read your letter correctly (between the lines), you’re planning on long distance hiking next year. If that is the case, you have Fall and Winter coming up immediately right in front of you, which you might use for testing purposes.
Hope this helps.
Conan
Conan