I'll find out if it was the right or wrong decision soon enough.
Just as
@Vacajoe said, no one but you can answer the question. It all depends on you and your comfort range. No two people are alike in this regard. That means that all of the answers — yes, no, and maybe — are the right answer for the person who posted it, but maybe not for you. You should have a pretty good idea by now whether you are a person who tends to “run cold” or “run hot” so I would let that be your guide.
I always carry a light sleeping bag, but I am a “friolera” — a Spanish word with no good translation into English that means “someone who is always cold.” If that’s you, bring a sleeping bag. If you are the one running around in your shirt sleeves in the winter, you might be happy with just a liner.
And to the veteran forum members, some of whose snarky posts have been deleted — I think we should have gotten to the point that we can all answer this frequent question simply by describing our own habits, recognizing that there is a HUGE range of tolerance and comfort with indoor temperatures, and then letting the OP decide where he/she falls on the body temperature question. Any minimally observant pilgrim who has slept in albergues will have noticed that on any given day, especially in swing seasons, there will be pilgrims huddled up inside their bags and others lying casually uncovered in their skivvies.
I know everyone has strong convictions on this topic, but can’t we all just accept the fact that what‘s necessary to keep you warm is likely to be totally different from what’s necessary to keep me warm?