the compression by a light synth quilt is basically a non issue as long as its sized properly
when you place the synth quilt over a down bag ,.. there should be a decent gap … without it its exceptionally tricky to zip up the down bag
make sure any synth quilt you make is fairly wide, it should easily wrap around 3/4 of the bag with a 2″ air gap inside … and long, you should easily be able to pull the quilt over yr head, this adds quite a bit of warmth on cold nights and allows you to do a whole multitude of tasks (getting dressed easily) while under the quilt
also remember to not cut the quilt until you have actually placed it over the bag, not simply cutting it via measurements … it needs to be longer than measurements due to the length lost because of the 3D aspect vs flat measurements
using APEX 3.6 will give a ~40F male rating (50F female) for the quilt itself for warm summer use
an oversized quilt will weight around 600-800g depending on the fabric, straps, etc …
as a bonus it can easily be used in camp or on longer stops and it dries super quick with even a smidgen of sun
as to the pad … i would just get a cheap light foam pad … GG and MEC make thing light ones that you can cut to the length … BPL did tests years ago which showed even a thinfoam pad had a good increase in R value to the overall system
if you do want to buy a “winter” air pad … the neo air xtherm is the same as yr neo air xlite but warmer
but if yr neoair xlite is the womens 3.9R value one … just get a thin foam 1/8″ or so pad and strap that to the outside of the pack
to be quite blunt … you dont even know if the pad is the issue … a cheap 10 dollah walmart foam pad will tell you that very quickly … and in winter you can use that foam pad to sit on
;)