Just an estimate.
I am a warm sleeper and this is mostly for summer, early fall.

All between layers of a double layer

1 layer of insultex 72" x 48"
I did a quick indoor test and this immediately felt warm to the skin.

GG 1/4" large pad. I think it is 39" x 54"

WalMart blue pad, cut in half, and laid side by side
Read here it is good to 40dF.

Soft blue pad, probably 3/8". Its pretty dense foam, cut in half, side by side.

1 layer of fleece. Just average weight.

My quilts are 2.5xp for summer, 5oz xp for down to 25dF.