I did up a simple underquilt protector out of the cheapest PU coated nylon I could get off ebay. They claimed 1200mm waterproofness, but I could get water to drip through it with only a little pressure. So it became a combo UQP and emergency ground sheet. My feeling with it so far is that it doesn't really help with the temp as such, just the wind, but I've also recently discovered a couple problems with how I was hanging my UQs so I may have just found another 10 degrees or more in my system.
I would say, work with what you've got, get some cheap CCF and a roll of gaff, and see what you can make for cheap.