I'm a newb, but I'll put in my two cents; pads are bulky and loud (making that rustling/zipping sound when you shift), and underquilts (not speaking from experience) seem to only cover a portion of your body and appear to be a hassle to make and set up. I use a wool poncho under my sleeping bag, which does require some squirming to adjust, but is warm and quiet for 3 season camping (I've never tried it in the winter).
Hope this helps,
-Aduro
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