Ok, I have decided to go with a Speer SleepPad. It is the largest size and I can cut to my specs. It will probably be cut down to 11-12oz. It also has a higher R Value than Oware, and I can pay using PayPal !!
I will then buy a Neat Sheet and sew a shell over that. Maybe with a Velcro end so I can take it in/out when needed.
Thanks for all the advise.