So, here's a thing I've been turning over and over in me mind for the past few days.

My first proper DIY project was a PLUQ, and I folded it long ways instead of short for more full-body coverage. When I did that, I installed a zipper along one side to allow for the addition of more insulation (IE: stuffing a smallish sleeping bag in there or batting, etc.).

HOWEVER, I've realized that it's kinda the right size to slide a pad in to. What difference would adding a pad to the inside of an underquilt make, if any?