Nick,
I find I'm cold most 3-season conditions, 40 down to 30F, after which I go to a full length if I'm expecting it.
When my wife and I go, she likes a full length pad, and I find my feet migrating onto her pad by morning (snuggling is the best UL insulation :D).
I haven't been in snow recently, so I would definitely bring a full length + Thinlite when I do.
I'm planning a quick overnight to Point Reyes (temps have been in the mid 30's) during which I'm going to try a few new things. I want to try a half length 1/4in foam pad for my legs + the Prolite 3/4 length. If that works, I'll get the Torsolite and use it with the 1/4in foam under my legs and leave the pack for my pillow.
In terms of durability, I've had many holes in my Thermarests over the years, and I'm only going off the description on the Torosolite page in terms of it's durability. (Thanks for the firsthand, Jon.)
The one thing that does make a big difference is if I rub my feet completely dry (just using my hands is fine) and put on warm, dry socks just before getting in my sleeping bag, my feet and legs stay much warmer during the night.