I use CCF pad(s) from Walmart and they work well. However you really need to have your pad system 30 to 35 inches wide ,as the hammock wraps around your shoulders and hips, compressing your SB and leaving no insulation at those points. I havn't used my Big agnes insulated air mattress . Experts say that it should h dbe underinflated to stop it squirming about in the hammock. But it will have the basic problem of not being wide enough to insulate shoulders and hips. I presume the same applies to the Neoair. I cut one pad (72x20) in half and lay the two pieces overlapped to make a torso pad 36" long by 30+" wide, with double thickness pad along the centre line. Punch a couple of holes and lace them together with some mason line to stop them seperating. Unfasten in the am, push to complete overlap and roll and tie using the mason line to give a 20"xca.6" roll to hang on your pack. That set up, with a 20 deg bag was good to below 40 deg for me. BTW, use the SB as a quilt, push your feet into the foot box and just drape the bag over your body and tuck in at the sides. The pad insulated you underneath, not the bag. The CCF pad is a vapour barrier, so you may have some condensation to contend with. It will also completely stop the wind, which is a very good thing in a hammock
Google Segmented pad extender (SPE) to find fancier ways of putting wings on your pad to protect shoulders and hips.
This is just about the best intro to hammock insulation:
and most other hammock matters. It's where i got the idea for the ovelapped half pads
(Risk's overlap pad)
I won''t be "upgrading" to an underquilt. An $8 pad is as good an insulator as a $150 ubderquilt, and is not demolished by water. I don;t find it to be in the least bit uncomfortable, as some suggest. $8 vs $150 == no contest as far as I am concerned.
If you think that for any reason that a single pad won;t be warm enough, take two and double the thickness - should take you down to freezing and below.
First time out, try it in your garden if you have one, ornear the car so you don't have too far to walk if it doesn't work for you. Getting cold at night is just uncomfortable if the car is nearby. In the middle of nowhere it's dangerous.