Hey guys, Nate Alder here, Founder and CEO of Klymit. I came across the thread here and thought I might try to share some insight behind this.

Surprisingly, the Loft Pockets in our pads do exactly what they say, they create pockets of loft. The Loft Pockets actually are the warmest part of the pad. Hard to believe at first until you test it out for yourself, but we have personally tested it to minus -15 degrees F last winter, and a couple Special Ops teams we work with have tested it to minus -60 F. The Loft pockets simple allow your sleeping bag insulation to maintain its Clo value (insulation value) by not compressing the insulation. Thus, the insulating value of the Inertia X Frame is totally concurrent with the thermal rating of the sleeping bag you use with it. That’s what makes it so thermally efficient, it adapts to all kinds of temperature ranges as you bring the right sleeping bag for your trip. I have received a few calls from troops in the Middle East that use our pads from low altitude in Iraq where it is hot talking about how they use just a poncho on top of them at night, and the Loft Pockets create high ventilation points for them to stay cool off the hot desert ground, but when they go in to high altitude in Afghanistan the pad keeps them very warm when used with a sleeping bag.

Here is a short video showing how the Loft Pockets work: http://youtu.be/VgWDvpnrPHk

That being said, a quilt on a very cold night would probably not be best by itself with the Inertia X Frame, but the holes provide about a 2.8 R-value by themselves with zero sleeping bag. I know several people have used it with a quilt on the AT with great reviews, but I have not personally tested it that way myself yet.

I hope this helps