Depending on your clothing and bag, I don't think ANY inflatable pad alone would have been enough. You make it sound like you have used the same system in colder weather. Thus, it seems not being on the ground that should have been 10 F warmer was the real issue as someone else pointed out.
The past 3 days I've been testing out my winter sleep system, which is essentially the same as my summer one except I wear more clothes and add CCF foam. I used a NeoAir on a concrete floor with 3/8 (actually measures 7/16) blue CCF on top last night with an REI Sub Kilo 20 F bag. It got down to -2 F and I was perfectly fine. Granted I had no wind in my doorless garage. I'm a total noob at this but from my limited experience it CAN be done.

