I've been using the GG torso pad since 2008. I normally combine it with one of their 1/8" thinpads unless I'm camping in a hot humid environment (not often). I don't really like using my pack under my feet/legs since I'm a side sleeper as it always seemed to put my legs to high up rather then in line with my body and because I like to store my gear inside it since I'm normally cowboy camping (I push my luck often so it helps keep it dry as well as easy to find everything in the predawn light as I pack up).
So the thinpad gives me something to keep my legs warm when the temps are below the 60s. If it gets colder I fold the thinpad in half to double the thickness under my legs. If we are talking about freezing temps, then that is still a little cold. I can either add some of my clothing under my legs which does work (even in AT shelters in the fall where the cold wind blows up through the cracks to steal body heat more then the ground), but what I found that works better is to add a GG sit pad (or a section of an old torso pad which is the same thing) to the combo (basically adding a 4th section that can be moved to an optimum place). I turn the sit pad 90 degrees to the torso pad and place it several inches below the torso pad. As I sleep sideways, my knees make a V across the sit pad which keeps almost all of my leg off the ground. I've slept while it was snow hard on my tarp and never felt cold.
Everyone is different, but I find I get use to it after a nights sleep. As a tarp user, I don't sleep in heavily used spots where the ground has been compacted into concrete hardness since water will often pool there if it rains so you don't need as much padding in your pad on softer ground. Though I don't have any issues with the wooden floors of the AT shelters either except for those baseball bat floors in some of the ones in Maine (what are those Sadist thinking building a floor like that?).
I've slept on a torso pad the way I described above for 4.5 months straight on the PCT in 2009 (finished in 4 days of off and on snow in early October) and 2 months in 2012 for the northern AT in late summer/early fall. And plenty of short trips as well over the last few years. And yes, I do find it comfortable and warm enough or I'd have changed it by now.