IMHO yes. Speaking in fahrenheit terms, you will never need a bag capable of keeping you comfortable much below 50 degrees. This is because you will always be sleeping indoors. Only the exceptional pilgrim sleeps outdoors.
Even without heat, the temperatures inside an albergue do not go much below the lower 50s (again in fahrenheit).
The considerations in choosing a sleeping bag are: (1) overall weight (2) fill - can you tolerate the lighter down bags, or must you use a synthetic fill? Costis a relative matter.
Many of us veterans have developed our own solutions over the years. Two major groups use only a sleeping bag liner made of some warm yet small and light material; or a simple down quilt.
Personally, I prefer a microfiber liner with a full zip from
Alps Mountaineering. It costs less than USD 30 and fits folded into a one gallon ziplock bag. See it here:
www.alpsmountaineering.com
Other folks use sleeping quilts filled with down. Many of these folks obtain down quilts inexpensively at their local COSTCO warehouse stores. They are smaller and lighter than a full sleeping bag, but do the trick when you are sleeping in an albergue bunk bed.
If you do invest in a sleeping bag, consider that you can always put clothes on if you are cold in the bag. Do not overspend on a sleeping bag, in terms of fill power or overall weight.
Hope this helps.
If you inv