I prefer a tarp for 3-season camping (Fall-Winter-Spring), and I have tarp camped in -20F weather in Northern Wisconsin and Minnesota and enjoyed myself (I had a -20 sleeping bag, and a closed-foam pad, and a space blanket ground sheet).
You have figured out something that will work. Just make sure the fly is generously sized so that it provides adequate coverage for ground-sleeping.
As a testimonial, I have used a ZPacks cuben hammock tarp (have the version with "doors") to shelter two people sleeping on the ground.
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That will work just fine. I used my OES hex tarp (MacCat Deluxe) to go to ground for a big section of my thru. To keep it easy I still strung it between two trees but low to the ground to provide shelter. Using trekking poles works too. Site selection is more important than with a fully enclosed tent.
you can supplement your pad with refectix (metalized bubblewrap insulation) available at the big box home stores. It's pretty light weight. you can lay it under your shoulders for a boost or run it the length of the hammock. It helps to have a double layer hammock to hold the pad securely.
Spoken like a true Ray Jardine follower. BTW...I'm one too!
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Last weekend in Maryland. Of course it was only about 29 degrees, so I didn't carry my 1# full zip summer sleeping bag which I usually carry on winter trips. To see what my hammock looks like with my sleeping bag around it, look at my avatar to the left. In temperatures down to the teens I use the summer bag inside the outer bag, as a top blanket, and usually heat up my stainless water bottle by the fire and put it in an insulated hip belt water bottle holder when I take it to bed so I don't get burned by the bottle, which is probably around 190 degrees when I hit the sack. In a 10x12 tarp with the ends closed I have slept comfortably (with a light hooded down jacket and down booties) to +5 degrees on a windy night.
As I live, declares the Lord God, I take no pleasure in the death of the wicked, but rather that the wicked turn back from his way and live. Ezekiel 33:11