A thicker pad will help. Last night I spend the night in my hammock next to a river, wearing about the same clothes you did with a 1/2 inch cc pad and a similar bag. The temp was also down to around 30. I was comfortable until I got up for a while in the middle of the night. I thicker pad will help. I placed some extra clothes underneath me and that solved the issue.
I think for me I would like another 1/4 or so of insulation underneath me if it gets below 40. Usually I have a JRB nest underneath. I have had the nest, pad, bag comdo into the teens.
I can't speak for the more expensive pads, but I thicker pad should provide more insulation.