I agree with Montana09's ideas on stuff like wearing socks and bag liners, etc. I have bad circulation in my feet.
I sometimes wear a knit/fleece hat. I have very little hair nowdays
Fleece is less itchy for me. And I have worn a full face and neck microfleece balaclava at times...fall camping/hunting.
I seem to recall your head can lose upwards of 25-30% of your body heat. All that blood circulating around on the surface of your
noggin, just under the skin, acts like a radiator....especially on hardheads like me
And for sure a good quality sleeping bag pad really can make a big difference. I think more so with down bags since down, depending on the design, baffling, etc., can get compacted laying on it. I have a Kelty Lightyear down bag rated at 25F. I have slept in it in temps below that with no problems, once in my tarptent(hunting). I used my Zfold pad and I was OK. I slept in long underwear, socks, and fleece hat though.
What kind of tent you camping in?
My 3 season dome tent is considerably warmer than my lil tarptent I use backpacking.
pocketlint