The only way my CCF pads work for me is by cutting them. I took a blue pad from WalMart and cut it in half. One half for my upper torso, turned 90° so the pad wrapped around my shoulders. The other half of the CCF covers my backside and legs. Works much better than a full-length pad because a full-length pad doesn't conform well to the shape of a hammock, since the hammock is conforming to your body shape and is much more malleable.
That said, my pad days are all but over because under quilts are superior in almost every way. As others have mentioned, pads are great for low cost and in moderate temperatures.
Pads do have one great place in my pack right now: I have a piece cut that doubles as my pack frame, sit pad, kneeling pad, foot pad, and lower leg insulation in my top quilt foot box.