It's well established that condensation can compromise down loft and therefore sleeping bag/quilt warmth. However, I'm curious what the effect of high humidity would be on an appropriately overstuffed quilt.

Background info: I slept in an appropriately rated 20 degree quilt (2.75" loft) with significant overstuff paired with an XLite NXT (r=4.5). I slept in dry base layers, had a full dinner of rice & beans, and was well hydrated. Because we were planning to summit early in the morning, our group opted to sleep in extremely humid conditions, practically in a cloud at ~10,000 feet elevation. From my Govee thermometer, it got down to 35 F with 95% humidity.

Given the forecast, I was expecting to be extremely toasty but was surprised to wake up slightly cold throughout the night. There was some condensation on my quilt but it appeared to still be fully lofted.

I'm making this post because I felt like I took all of the necessary steps to sleep warm except taking into account humidity. I'm wondering if I'm missing something that I can do to sleep warmer?

tldr; Even if a quilt is at full loft, does high humidity compromise the thermal efficiency of down to reduce a quilt's comfort rating by ~15 F?