Quilts don't really require a pad any more than sleeping bags do. In most sleeping bags, the insulation beneath you in compressed so much it doesn't provide much warmth, so a pad does a lot to keep you warm in cold weather.

I just spent a very unpleasant night with a leaking pad on snow, melting an outline of my body through the tent floor. Even though I had a sleeping bag appropriate to the temperature, the ground just sucked the heat out of me.