Blast:
Sorry I am replying late here. I think everyone mentioned some good and useful ideas. I have very limited experience with air mattresses especially ones that large, which sound to me like a "extra-bed" for the house. My experience is with the older Coleman inflatable style camping mattresses that always seemed to leak even when brand new! I do know that the air mattress will be the same air temp as the outside air, which was already mentioned.
I have noticed one thing everyone has not mentioned, so I will. You state the air was damp from fog. This was a part of the problem that I can see. Fog and heavy rain will dampen the air and even at 40-45 degrees you will become cold. Damp air will permeate and also dampen most clothing. If your sleep clothing was also damp (usually from sweat) and the inside of your bag was also damp, I am certain this all contributed to the fact you were quite cold. I speak from experience as I usually spend one damp and rainy, or foggy night outdoors when camping. I usually sleep quite miserably during a stormy night, and you cannot seem to make a fire fast enough in the morning. The best recourse is of course a shelter system to keep moisture out (e.g. a tent) this way your clothing and bag have a chance to breathe.
I would be curious to know how wet your sleeping bag and fleece cover were when you finally got up and broke camp even if it was in the backyard!
Take care and try again.
Stargazer