Down to about forty F or so, I have yet to have a problem.
On the ground, though, I've been down into the twenties without a pad under me and that requires socks. I find that big, thick, loose wool socks work the best for me. I tend to be a very hot sleeper and sometimes sweat into my insulation, so the woolen socks are a go-to for me. They retain quite a bit of insulation regardless of damp conditions.
Just my own experience.
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