OK... I realize I have violated almost every cold-weather camping rule under the sun!
Thanks to everyone for the great advice. I can clearly see that much of what I have experienced has been from unintentionally poor preparation.
Biggest lessons I see... NO COTTON, layer, insulate the sleeping bag from the ground (preferably with closed-cell pads, but no air mattress), "relief" bottle, eat before bed, limit/no drinking after dinner, head cover, head outside the sleeping bag, change before bed.
Again, Thanks!