I suppose I could be the Pastor of said Church of the Underquilt...if it weren't for my abundantly sinful ways and failure to worship only one Underquilt. I don't find pads comfortable at all. I spent the first many months of hammock camping using them and tried the spectrum from cheap to used car price (really cheap used car). They were OK, until I tried an underquilt. After that, I had zero reason to look back.
But in the end, it is what you described; what the sleeper prefers. I don't fault folks for using pads if they like them as much, or better than an underquilt. I do think folks should try both and make the determination on actual experience, but if pads are how you roll then roll on.
I have a number of items in my life that have "shortcomings", but I like their strengths enough to overcome dealing with those shortcomings. So I understand what you mean about overcoming pads' issues. Some of us, myself very much included, are simply too lazy to deal with shortcomings when it comes to sleep. They must be removed from the equation and the best way (currently) to do that is with an underquilt IMO.
Then again, an underquilt comes with a significant shortcoming for some people. Those that want to go to ground on occasion are terribly served by an underquilt because it has no functionality whatsoever for such activites (misguided as they may be ). So if we measure by that, the pads win. Pads at least work across the board; underquilts are terribly specific.
Good thing I like the ground as much as pads.