It's all relative I guess. Depends on what you can tolerate and what you are used to. I walk around in shorts at 60 degrees, I've seen folks in southern CA wearing parkas at those temps.
We've camped in a hybrid in 100+ degrees in the Nevada desert, and as low as the upper 20s in West Yellowstone MT. This past spring in May it was in the mid-30s in Egg Harbor, WI! The bunk ends are not as warm as the "box" is at low temps, but with a decent sleeping bag its perfectly comfortable. We don't bother with the PUGs, we find they are just a hassle for the little benefit they offer. Keep in mind that we've tent camped at those temperatures so to us its just part of camping. The only real issue we've had with cold weather camping in the hybrids is the condensation. I'm sure PUGs would help but we don't see that many really cold night in our camping season anyway. Heated mattresses or a heated blanket is a great idea.
As far as noise, yes, you'll hear a lot of it at night if you are in a noisy campground. but most people are pretty quiet after 10 and many are inside by 11 or 12. So noise really has never been an issue. Tenters tend to stay up later so if there are a lot where you are camped you might get some noisy nights. Otherwise hearing the night noises can be very soothing. We've camped near the ocean and also on Lake Michigan. Waves at night are a wonderful sound.
Hybrids aren't for everyone. If you've never camped before I'm not sure you'd like one. Most of us that love them came from tents and pop-ups so we knew what were getting into. A lot of folks who buy them for their first RV trade them shortly after then bash them to everyone who will listen.
Chuck D.
“Adventure is just bad planning.” - Roald Amundsen
2013 Jayco X20E Hybrid
2016 Chevy Silverado Crew Cab Z71 LTZ2
2008 GMC Sierra SLE1 Crew Cab Z71 (traded)