I camp year-round in all conditions from -15 to 115.
My solution: Wiggy's sleeping bags -40* system (dual bag) and some Thermarest foam mats in a tent with the down-wind windows -open- to cut down on condensate.
Sleeping in your cruiser in sub zero conditions is going to result in serious frost/condensate -everywhere-, including inside the dash, carpets, headliner, etc... A few sub 20* outings sleeping in your cruiser will result in your cruiser smelling like a wet dog. The condensing moisture is from your breath and perspiration.
Alternatively, if you have to sleep in your truck, open the windows a bit to allow ventilation and double up the sleeping bags AND foam mats. Once you're in a good sleeping bag the highest heat transport from your body is to the ground where the insulation is compressed. One or more layers of closed cell foam mats makes a world of difference.
Don't use blow-up mats in the cold. PV=nRT. As the air in them gets colder (from ground contact), it's volume decreases, which results in your lying on the ground, which sucks heat from your body, which makes you cold.
Cold weather camping is a lot of fun - but can be dangerous if done wrong. The key is to use insulation to keep your own heat in. Heating your environment to be comfortable with less insulation is not a reliable solution. An unreliable solution is a dangerous solution.
IMHO YMMV