Supposedly, what's under you is more important than what';s over you, all factors being equal. A lot depends on how warm (or cold) you tend to sleep.
This time of year, I'd go with a Thermarest Prolite Plus (1.5 inches thick; R = 3.8) on top of a 1/8 inch Ensolite CCF pad (<2 oz for 20×72). The pad length does not affect the R value, only the weight. The ensolite is there mostly to protect the inflatable, but does add a bit of insulation from the ground in case your inflatable is less than full length. Also, if your inflatable DID deflate, you'd still have some insulation under you.
Another alternative, the Big Agnes Insulated air Core pad. At 24 oz, it's heavy but the 2-1/2 inch thickness (R= ) is worth it. Again, I'd protect it with the 1/8 inch Ensolite pad. The BA pads are on sale at REI right now for $60 (regularly $80).