Just got back from 6 day trip in bwca using this setup. Believe I suggested this pad to the OP. For me I can go both ways. If its warm enough I like to go padless and like the way the hammock conforms around me. But it's equally comfortable in a different manner with the pad in. Definitely like the versatility a pad offers and I've been down to low 20s with out issue in it. Could go lower but I haven't tested that.