I don't know if I agree with that. If a pad is not important, then neither is an underquilt. Both have pros and cons. Just a few reasons someone might choose a pad over an underquilt...
Pads are not susceptible to moisture, while underquilts are
CCF pads can be really light for the amount of insulation they provide
Pads can help eliminate shoulder squeeze in narrower hammocks like bridges
Pads can serve as a frame for your pack, thereby doing double duty. Multi-functional gear is nice.
Of course there are TONS of reasons to choose an underquilt over a pad, too... just don't be so quick to discount the lowly pad. You can get a whole lot of insulation out of ten dollars worth of foam from walmart.
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