I'm gonna have to experiment with a pad. For me, it's always just one cold spot, maybe one butt cheek or a spot on my back. A pad might be the simplest solution.
I've got plenty of insulation for the temps I hang in, so a spot solution is probably my best bet rather than getting out and fiddling with suspension. If 95% of you is warm and this one little spot ain't, that suspension is gonna take a lot of tweaking to get it dialed in.