I've experimented with different permutations of the hammock and pad combination. My preferred set up presently is to use a Thermarest ultralight 3/4 pad INSIDE my sleeping bag which is a down EMS Sebago innerbag rated to about 30*. The benefits for this system are 1. the pad and bag stay combined very well. I don't find myself slipping off of the pad during the night. 2. insulation under the body is always there no matter what my body position since I rotate inside the bag, the bag & pad don't move. and 3. If I find myself in a treeless situation I can always sleep on the ground. I'll have the pad for those emergencies such as the time I slept in the portico of the Essex County Court House in Guildhall, VT.

See the attachment: