How warm (in terms of "comfort rating") should a sleeping bag be for typical three-season bicycle travel?
This is also made much more complicated because different manufacturers use different techniques to determine the "comfort ratings" they use on their products. So it is basically impossible to make a rational comparison between brands based just on their rating. A better approach might be to compare fill weight between bags of similar design and size, though even there it is pretty easy to get lost in the weeds.
Another complicating factor is that very few sleeping bags provide significant insulation underneath the sleeper. For that you'll need some kind of insulated pad. Depending on your situation you may be losing much more heat by conduction with the cold ground than into the surrounding air.
If you haven't already noticed, people are all very different. Some might shiver the night away under a fluffy down comforter in a room that is a smidgen below 70F, while others will wrap themselves in an old horse blanket and snore all night on an ice floe. On top of that, what you ate for dinner and how hard you are exercising can effect how warm you sleep in often bewildering and unpredictable ways.
Sleeping in a tent, in particular sleeping in a pretty small tent, will on the average be much warmer (easily 10-15 degrees F) than without a tent. Similarly, a small bivy sack can make a pretty dramatic difference.
Blatant product plug: I use and like this inexpensive and light bivy sack when tarp camping:
https://bivysack.com/shop/ols/products/bivysack-standard-zip-regular-length-c1635e9e-1703-4bd1-880c-74a89e55fa7cFinally, careful campsite selection and an awareness of microclimates can make a dramatic difference in how warm you sleep. Often times locations even a few dozen feet apart will have dramatic temperature differences. As only one example, cold air sinks and locations close to streams and lakes can be 10F colder than a location a short distance uphill. This can also work for you the other way on a hot, muggy night.
It is important to remember that you'll be just as uncomfortable sleeping too hot as sleeping too cold. And you can always wear warm clothes to bed on a super chilly night.
For myself, I usually use a down quilt rated at about 30F for most of my summer backpacking and 3-season bicycle travel. That means there are a few somewhat chilly nights where I am wearing a lot of clothes, but generally this approach provides the most comfortable sleep. I'm usually in that bivy sack which overall keeps me nice and toasty to about 20F. Also, for me, down is far better product both from a functional standpoint and value for money. A well-cared for down bag or quilt can easily last a dozen years of hard use.
My personal observation is that most backpackers and bicycle tourists are carrying a too warm and too heavy and too expensive sleeping bag.
What works for you? And what would you like to use? I think the Zen Bivy products are intriguing (if terribly expensive).