A cheapo $7 pad from Wal-Mart or a dollar store windshield reflector will do you well for your first outing if it's not too cold, but you'll want to start thinking about how to keep your shoulders warm as well; that's what pushed me away from using the pad myself. There are some great DIY kits out there now for synthetic underquilts, or you can look at Arrowhead equipment if you want to get an inexpensive one.
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