Two thoughts:
1. A pad is just easier to understand and monitor. One is on it or not. OTOH there seems to be a high fiddle factor to getting a quilt set up right.
2. When I made my first pad cover I used polartech fleece for one side. I sleep on the fleece with an open sleeping bag as a quilt. Works quite well. The pads come out for use as kneeling pads as I am usually canoeing.
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