I have used a 3/8" GG CCF at 5*F under my legs and was fine...the walmart blue pad does not insulate as well, IMO
VBs are tricky and very person specific...at 25*F a cold sleeper might use a VB and be toasty while a warm sleeper, using the same set-up, will sweat and chill.
Insulation and moisture management are the goals here. IF (and I mean IF) I use any CCF pad or reflectix under my torso, it is smaller pieces under specific body parts (ie shoulders or butt). Again, I think this helps allow specific insulation increase while still allowing moisture to escape.
Finally, feet. I struggle here too. I subscribe to the thick, loose fitting wool socks. Make sure your feet are as warm and dry as possible when getting in bed (run in place, jumping jacks, take off your shoes and warm your feet next to a fire just before going to bed). Finally, I have used a piece of reflectix
above my feet (inside the footbox). Do not surround your feet...fear the condensation, but the top and down the sides seemed to work for me without condensation (so far)...
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