Thanks for the suggestions.
I have been thinking about getting a synthetic bag, but the size is an issue for me. My synthetic choice was also Snugpak, but a different model.
Then, in a local shop I went inside the Rab down bag and have instantly fall in love with it!!! I am yet to test it outside, but I slept with the balcony window open when it was 1C and I had to unzip the bag.
My tent allows a lot of draft in so in theory condensation should not be a problem. However, it may get cold with the wind chill factor. I am thinking about getting a snugpak jungle bag to be used as a sleeping bag liner or over blanket. It is cheep, small and water repellent and has multiple uses.
I am trying not to take front panniers. My tent goes on the handle bar. Tarp under the cross bar and the additional synthetic bag could go into a dry sack to be attached to the front rack. I have panniers on the rear rack. I have managed to fit all of my sleeping things (including sleeping bag) and clothing change into one pannier which will be opened only before sleeping to prevent water getting in. The other pannier will keep my waterproofs, cooking items, food, toiletries etc so any item that my get accidently wet, but I do not care
I have a huge old school
foam multimat in a huge dry sack on the top of the rack.
The Buffalo shirt looks great, but I cannot justify buying it when I already have all of those wool items. Indeed, wool takes long long time to dry, but I am taking a lot of measures to avoid getting it wet.
Recently, I have tested my waterproofs through cycling in mild rain for 3h around the city. Apart from two places, I was bone dry. Very little water got through the neck of my jacket and my socks were wet around the ankle area. Heavy rain or longer cycling would make my shoes wet inside... Hence, I am getting hill waking gaiters
Nevertheless, the waterproofs worked surprisingly well and I did not overheat too much. Although, I have learned that I need to take it easy on the uphills.
Gloves worked kind of OK, but their gore tex outsides were saturated with water and it took over a day to dry them indoors ! Taking them off and on was pain, but my hands were perfectly dry and comfortably warm. I will only use them for cycling. I have another pair of lightweight ski gloves that I intend to use during breaks and after cycling.
Just now I am cutting out a footprint for my small tent
I am planning to test my sleep system in local woods.