I cycle between a -35C rated Marmot mummy bag alone, and a no-name light synthetic rectangle bag with quilt and rectangular liner (can't tell you the size right now as it's stored away; I'll check later) as needed.
I never use a liner with the Marmot. It's super warm, and I adjust sleep clothes to suit the expected temps. Good socks and thermal sleepwear is, IMHO, much more effective than a liner. If worried about condensation I drape my OR softshell over the footbox.
My shoulder-season and summer sleep system is quite modular and does include the rectangular liner. When the Marmot is overkill and I want to save some grams I have taken to using the rectangular liner -outside- the rectangular synthetic bag, like a slipcover. It adds a couple of degrees of warmth and protects the bag (it's much easier to wash/dry the liner). Over that I can use my Rumpl "down puffy blanket" flat quilt (which -- yikes!-- is now 5X the price that I got it for in early 2020). Depending on temps I might use one or the other but not both of the liner or quilt. As it warms up I only use the synthetic bag, and for hot sticky summer nights I use only the liner (which makes a lovely no-insulation sleeping envelope!)