I've been able to boondock in a local State Forest from mid May until the end of October the last three years. Nights in October, and even September, can get pretty chilly up here near the Canadian border, 20s are not uncommon.
The pass through storage is unheated which can make the mattress, which sits on top of it, pretty chilly. If I have shore power, an electric mattress pad is even better than an electric blanket, but when I'm boondocking that's not an option. My solution with my current Avenger 21RB, and my previous camper, has been to insulate with 1.5" styrofoam glued between the framing of the top of the storage bay and between the studs of the knee wall. The under bed storage on the 21RB was open to the pass through storage so I also framed that in and insulated it as well. The plastic strapping stapled to the framing is just insurance to keep the panels in place should the glue fail (it hasn't).