I can't sleep in a mummy bag either. I've been able to compromise with a semi-rectangular bag .. not rectangular but still has a much larger foot area and a bit more hip room. Check out western mountaineering. I have 3 of their bags ... 40, 25, and 5 degree. Another option would be a down blanket. I have one by thermarest. It tucks in around your feet well, drapes nicely, but you can also stick out body parts to cool if it is too warm and you can get out of it in a hurry if there's a need.
Sorry to hear 'bout the fire.
