Hey guys viper here!

So I have gotten a few people into hammock camping lately but some people can't afford a UQ in their budget ATM so just a blue foam pad from Walmart inside the hammock with say a 0deg sleepng bag how cold roughly do you think a blue sleepng pad would take them?
Basicly need a easy cheep not really a diy prospect for my friend because well he is to lazy to make stuff lol but will keep him warm. Thanks guys