Glenn, I have to use an air pad at least 2.5" thick to be able to sleep comfortably. That lets out any other Thermarest product. Until it got too thin (more accuarately, my hips got more sensitive with age!), I used a 2" thick Thermarest LE. It wasn't all that warm in below-freezing temps. I've found my POE insulated air pad fine down to 20*. Lower than that, it's still comfy with the 1/8" CCF pad. I've heard (mostly subjective ratings, of course) that the POE pad tends to insulate better than the BA insulated pad. I don't know because the one time I tried the BA air pad, it wasn't as comfortable for me as the POE air pad.