I am in the down pants boat with most others. As well, which TAR pad do you have? If it is the All Season or even better, the XTherm, it would likely be fine on it’s own, but it never hurts to have at least a back up 1/8″ ccf pad…
As for the down pants, I highly recommend going with the GooseFeet Gear Down pants over both the (equivalent) MB and the WM pants. Not that there is necessarily anything wrong with either of those, but IMVHO, you get way more bang for the buck, as well as options/choices, and even better sizing/fit for the same price when going with GooseFeet Gear. And if you want a zipper, you can get that too…
Also, as another poster mentioned, my routine for pants takes place once I am settled in camp, then off comes my hiking pants and shoes, and my down pants and down sock with overbooties. I then wear them around camp, to sleep in, and the next morning while getting ready. Unfortunately though, they are one of the first things that go into my pack when packing up, so I don’t wear them long at camp in the mornings.
And for me, I don’t carry rain pants on a hike unless it is going to be cold… So, as it turns out, if it’s cold enough for me to carry my down pants, I will also carry my DriDucks rain pants. It works out well too since I also throw these on over my down pants while walking around camp to help keep my down pats cleaner, as well as help protect them. Of course when I crawl in my sleeping bag, the rain pants come off.
As far as temp rating, I feel like mine easily add an additional 15 F to my ~35 F enlightened equipment quilt as I have slept comfy into the low teens with the pants and that quilt. I feel like these would also push my Helium sleeping bag to pretty dang near 0 F. Although, I will say that my down pants have 3.5 oz of down in them (which up to 3.5 oz is no extra cost if using GooseFeet Gear… compared to the 2 oz of down fill in the equivalent MB & WM pants…)
Edit to add: I forgot to mention, that even though my down pants has 3.5 oz of down in them, which is almost twice as much as in the others, mine only weigh 6.1 oz. This is also lighter than the other brands… And the fit is spot on since I gave him my specific measurements, and they are built to those specs…
I guess I will also add that yes, I did pay full price for all of my GooseFeet Gear items, and no, I am not affiliated with them, nor do I get any kickbacks or whatever from telling others about them… I am just a very happy customer.