..... FWIW, rider after rider with a handlebar bag and rear panniers. Mildly surprised two decades into the third millennium, but IIWII. If the folks out there doing it only knew what the folks on the internet talking about it know, ya know?
There's no right or wrong here, and clearly the tents, camp mats and even sleeping bags are smaller and lighter.
Simply comes down to personal preferences of a certain amount of comfort, some of that coming from / affected from previous experience bike touring in various temperatures etc, and of course, budget.
the person asking this question is going to have to figure this stuff on their own. Wez just givin sum insite tis all.