Another thing to consider is how the bag is rated. Top quality manufacturers follow a specific industry wide test to determine the rating. However, this is not fool proof either. For example under these tests most 20 degree bags will not be comfortable at 20 degrees for most people. It usually is a few degrees off, like 27 or 28.
Now throw the cheaper bags in the mix that do not follow these guidelines. I once bought a cheap 0 degree bag and it was colder than my 20 degree bag for me. I called the rep and he said "oh no, that 0 is not a comfort rating, it's a survival rating. Yeah, I could survive in that bag wearing a base layer, stocking cap, and wool socks if the temp didn't get below 25. Yes, we had words and yes he took it back, to sell to some other sucker.