That "idk why it took us that long to figure it out" line is doing a lot of heavy lifting, since the poor tree spent 25 years getting its roots stomped flat every other weekend. Turns out decades of driving a mower over the same spot will do a number on a tree, who could have guessed. Better late than never, and at least the oak got its revenge by finally growing enough to block the view from the road.

Yeah, you are not alone on this at all. Those temp ratings are all over the place and the stores never bother to explain what they actually mean. That 30F on the tag is usually the number where you would survive the night, not where you would be warm and comfy. So at 38 you were basically in the danger zone, freezing but not dead, which is a real fun way to learn the difference. I made the same mistake with a cheap bag a few years back and woke up shivering so hard I could not fall back asleep. Your best bet is to add 15 or 20 degrees to whatever the tag claims and treat that as your real comfort number.