Underquilt is SO much better than a pad. I struggled with a pad my first whole season then someone talked me into buying a KAQ.
Wish I'd done that much sooner.
I also have a cheap mummy bag I bought at Dicks. I zipped up the zipper maybe 1/3 of the way then sewed it in place which gives me a nice foot pocket. I then pull it up and use it as a top quilt.
Slept into the 30's with that config and was nice and warm.