Pads will provide enough insulation if done correctly. I use pads at subzero all the time. I consider the twenties "too warm" for reflective pads, they will collect a lot of condensate on them. First, the uq and 1/8 ccf will work well together. For an exclusive pad solution, I would get some wallyworld ccf (3/8 inch) and stay away from the reflectix. Use 1 pad lengthwise and then cut the other to fit the width of the hammock and place it crosswise between your shoulders and butt. The extra pad pieces can be placed strategically during the night (most likely under the butt). The pads work better in double layer hammocks and those with less sag. If you only have a single layer hammock, a fleece blanket works great to put over the pad (if using quilt). The last recommendation I have is to hang a poncho under your hammock as a garlington insulator. A plastic garbage bag with or without the crumpled mylar blanket will do much to extend the range of any system.
edit: I just saw you had some self-inflators. I never found them to be that great insulators in the hammock. Use more ccf instead.