I view the undercover as a compromise between the two. It doesn't quite feel like a pad, but it doesn't give off warmth like the uqs do IMO. I'm still young in my SS training (doesn't sound right coming from a kid raised in a synagogue does it ), so I'm sure I have more to learn to get it tweeked to my liking. Even then, I don't see how it could ever be as comfortable as an underquilt. I can see it being as effective, just not as comfy.