I had a winter newborn last year and did singlet, wondersuit, swaddled in flannel wrap and thick cotton or crocheted wool blanket over the top just like you described. Worked for us just fine
She would wear a singlet, wondersuit then wrapped in 2 blankets and her cot quilt over the top. Our room got far colder than 21 degrees, probably closer to 15 degrees overnight and she seemed quite ok.
If she is waking frequently overnight then she is probably cold. If you can, put a couple of fingers down the front of her clothes and feel her chest. If her chest is warm (but not too hot) then she is probably warm enough. They regulate their temperature (as much as they can) through their head, so you're right not to put a beanie/hat on her. Don't worry if her hands or face feel cool either, as long as her chest is warm then she is warm.
Thanks for the replies, I am going to put a singlet on her under her suit when she wakes up for her next feed.
One thing I have noticed is that if she is too warm and cosy she wont wake for her feeds, so its a fine line between sleeping well and not waking up! lol
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