Hi PM, yes, maybe Ashley just doesn't like the bath. Does she prefer a birdbath? You could do that for a while and try the bath again when she's a bit older (and gets dirtier )...
And yeah, don't feel bad. Its important to use your judgement with the SIDS thing. Do what you're comfortable with. I know that wrapping in bunny rugs is a SIDS and kids no-no, but I wrap Natalie in a fleece and I figure its the same temp as a fleece sleeping bag - it is tight around her arms and chest, but loose around her legs - to my sensibilities it seems the same.
I also agree with Lucy - see how many layers you're comfortable in and judge it from that.