One of the arguments I see on these forums starts with one guy saying a ccf pad works just fine down to 20 degrees and another saying it doesn't. Neither one of them tells us what thickness ccf pad they are using. A 3/8 in thick ccf pad will take you to a lower temperature than a 1/8 in thick ccf pad. Unless the poster tell you what thickness pad they are using, you just can't really compare their statements. Add to that the differences in what each of us can tolerate and you really don't have a way to compare two apposing sides to an argument.