+1 on the bivy inside.
I don't use a ground sheet either.
I do find that my body heat warms up the GG Torso pad that I have and it feels nice to lay on it vs. laying on the silnylon.
The only thing that I will place under my bivy my Jam2 pack for my legs. (I use the GG thinlight 1/8" full length pad).
If it is raining, I would definitely put the pack inside my bivy.
The biggest issue for you is going to be how much space you have within your bivy.
Does it allow you to stuff your sleeping pad inside of the bivy without crushing the loft of your sleeping bag.
That said, I do have a MLD Soul Side Zip in Wide/Large, which gives me ample room for my 15F sleeping bag.
Note: for winter camping, I do use a blue foam pad and thermorest prolite 4. I can easily get the thermorest in the bivy, but the blue foam pad is too wide to get into my bivy and I have it under me.
Hope this helps.
-Tony