I was cold on the surface(not on the bottom) but that's where I noticed it. It sounds like even if I feel OK on the bottom I still might have been cold. I put two thin pads(1/8"?) on the Thermarest and I slept through the night, waking up only occasionally with a lil chill before falling back asleep. I don't know if I should credit this towards the pads or the fact it was in the 40's. A shame that I am barely warm at 40 degrees in a 0degree TQ. Could be that the TQ isn't wide enough for ground use or maybe sleeping on the ground with a quilt isn't my thing. Thank you everyone, hopefully I have better luck in a hammock
If you are sleeping on the ground (it's OK to say that here), then you need to get some insulation between you and the ground. Ground, Reflectix, CCF pad, sleeping bag, then you. Layer up, clothing-wise, also. The frost just came out of the ground.
Any insulation you would have in your bag or UQ will be compressed, offering no insulating qualities.
Hope this helps