You have to go back to Richard's chart:
http://www.backpackinglight.com/cgi-bin/backpackinglight/xdpy/forum_thread/9378/index.html
one clo = 0.88 R
R value = difference in temperature across the insulation / heat flow
= difference in degree F / heat flow in BTU/ft2*hr
the chart assumes the heat flow is fixed for a particular activity level, like when you're sleeping
the chart tells you what clo (or R value) needed for a particular temperature
of course, you'de have to average pad, sleeping bag,…
and the ground temperature is different than the air temperature
if the R value is larger, then your skin temperature would raise and at some point you'de start sweating to cool off
if the R value is smaller, then your skin temperature would lower which would be uncomfortable – your body would increase heat flow some to compensate, like sending less blood to arms and legs or shivering