I'm going to go with everyone else on this, an underquilt is definitely the first thing you should purchase... Even though I still haven't taken my own advice... I figured ohh, a pad will be fine but let me tell you it's not.
I've slept one night on the pad and it was horrible, every time I moved the pad would move and I would be cold. I'm just waiting for my new credit card to come in the mail so I can call Adam over at Hammock Gear and order myself a Phoenix! And a Burrow while I'm at it, all done up with M50! The wait is almost unbearable!
Look to this day: For it is life, the very life of life. In its brief course lie all the verities and realities of your existence. The bliss of growth, the glory of action, the splendour of achievement are but experiences of time.
For yesterday is but a dream and tomorrow is only a vision; And today well-lived, makes yesterday a dream of happiness and every tomorrow a vision of hope. Look well therefore to this day; Such is the salutation to the ever-new dawn!