Warmth is regrettably subjective. I sleep hot, so I am generally fine with an R-7 pad even in the depths of Wisconsin winters. I normally carry a Nemo Tensor Trail with an R-value of 3 in summer and fall and am plenty warm with that down to freezing. Unsurprisingly, I was never cold on the NeoLoft even down to one night that hit 15 degrees Fahrenheit on my thermometer.
Internally, Therm-a-Rest has filled the NeoLoft with a trademark word salad of features dubbed ContourCore Matrix, ThermaCapture, and 3D Construction. The 3D construction is what makes the NeoLoft look like a plush car camping pad. It refers to the squared-off edges that come from having vertical sidewalls. This makes for a larger sleeping area, compared to a similar pad where the edges taper off. The NeoLoft gives you full height and excellent firmness all the way to the edge, much like our favorite car camping pad, the Therm-a-Rest MondoKing. There is also a side rail baffle all the way around the pad which acts as a kind of small barrier, helping to keep you on the pad.
ContourCore Matrix is Therm-a-Rest's name for the triangular horizontal baffles running through out the pad. There's two layers of baffles, with the top layer being of a stretchier fabric that helps provide pressure relief, especially for side sleepers. The baffles, combined with the stretch knit top fabric, make this pad so comfortable. The knit top is also excellent for pressure relief and the side baffles also help provide support. I never had this pad “taco” on me.
The ThermaCapture is a reflective coating inside the pad designed to radiate your body heat back up and keep you warmer. Pretty much every pad on the market uses some kind of reflective internal material, with all of them adding to the noise level of the pad. Thankfully, there's enough space here that the NeoLoft is quite quiet. The stretch knit top also helps cut down on that swishy nylon sound. It also makes sleeping on the pad with a quilt much more comfortable. It's not quite Zenbivy-sheet-level comfortable, but it's much better than the awful feeling of sleeping on plasticky nylon. It also does a much better job of keeping you from sliding off in the night.
Therm-a-Rest uses its twin-valve inflation system on the NeoLoft—one valve to inflate, one to deflate, which I happen to like because it saves fiddling with double-function valves. The Neoloft comes with the biggest pump sack I've ever used (54L). It took about 2 minutes to inflate the NeoLoft, about six to seven fills of the pump sack depending on how full you want the pad. It works, but I've long since gone to the motorized side, using a Flextail pump most of the time. The extra size of the NeoLoft does reduce the number of times the Flextail can fill it, though. In my testing, I could only fill the reliably NeoLoft 9 times with the Flextail, compared to 11 for my Nemo pad.