I was caught in a shoulder season snow storm with only the NeoAir. Temps dropped into the low 20-25F range at night and we woke to snow. I think that the only reason I was warm all night had something to do with the ground not being frozen. We were on sand and previous night's temps didn't go below 40F.

I have been satisfied with the NeoAir overall, and I am a quilt user so sleep directly on the pad itself, unless I'm in the hammock which has a pad pocket. It works entirely because of the heat reflective baffles inside it.

I also make sure I've been hydrated and eaten well before turning in - you are relying on your body to provide the warmth. Need to keep the furnace going.