Here are articles from two trusted sources (and a manufacturer) about "EN 13537:2002 Requirements for Sleeping Bags", the official European criterion for the classification of sleeping bags. There is no such standard in the US.
Sleeping System, Mark Verber.
Deciphering EN13537 Sleeping Bag Temperature Ratings, SectionHiker, Philip Werner.
Sleep Well, Mammut. A manufacturer's perspective, including practical advice for consumers and the cost of testing.
Mark's and Philip's sites have a wealth of information and includes experience and opinions on gear.
Bags rated at EN 13537 "Comfort limit" don't mean you're going to sleep comfortably without being cold; they're just a way to standardize the temperature ratings and there are differing opinions:
Issues Concerning the EN 13537 Sleeping Bag Standard, Outdoor Industry Association.
Sleeping Bag Temperature Ratings: Fact or Fantasy?, SectionHiker, Philip Werner.
In another trusted source,
The Backpacker's Handbook, 4ed, Chris Townsend states:
Having looked at some EN 13537-rated bags, I would expect to feel cold in them long before the extreme temperature was reached, and I'm a warm sleeper. Overall, I think this rating is meaningless and should be ignored.
I highly recommend this comprehensive book for details on fabrics and material used in manufacture of backpacking gear, understanding why shoe sizes differ between manufacturers and how to compensate, lightening your load, as well as Chris's recommendations. Chris is a Gear Editor for TGO Magazine and was a Senior Gear Editor for Backpacking Light; he still posts in the forums there.
Me? I'm a cold sleeper and like RW, choose bags rated 20F degrees below the expected maximum low.