I used my new Travel Hammock with an installed ridgeline and webbing.
military pad= 3/8 inch
Z-Lite= 1/2 inch (egg crate like texture, not a flat sheet)
Wings Blue Wal-Mart Pad= 1/2 inch
So, directly under me was 7/8 inch and the wings were 1/2 inch. The pads are 3/4 length so nothing under my feet and calves, but I usually spend much of the night on my side in a semi-fetal position and they are on the pads then. No tarp last night either.
The pads don't bother me too much as far as comfort wise, especially when it's cold; being warm is good enough. But when it is warmer (55*-70*) it is defenitly more comfortable for me to have a light underquilt rather than a pad.