I will never ever go hiking with the intentions of hanging without a pad...like posters above often its part of my pack frame.
I strongly disagree with Rook. Accidents happen. Material failures happen....if you have wisdom you will have a thought out and supplied plan B.
En contrast-the pad is not for luxury if I'm grounded-it's for its thermal barrier between me and the heat sucking ground.
Last couple of trips---the retro ones---I carried a huge 21"x72" 1/8 inch pad...only 8 ounces and real estate for a person to sit comfortably on both ends with plenty of room in the middle for cooking or simply spreading out gear...point that your insurance plan can have even more uses than pack framing material.
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