I only use simple switching thermostats on my heatpads. All my skinks and dragons have either a 5W or 7W heatpad under tiles in their timber tanks and rearing tubs.
Switching thermostats I use are rated to a max of 38 degC , the heatpads are rated to max temps of 42 degC ( if I can believe the seller's info ).
I set the skinks' ( eastern bluetongues and eastern water skinks ) heatpads to 32 degC.
I set the bearded dragons' heatpads to 36 degC.
If the heatpad fails :
* failure mode 1 ( pad short circuit ==> potential overheat) the thermostat will prevent it from overheating by simply cutting current to the heatpad.
* failure mode 2 ( pad open circuit ==> heatpad stops heating ), the heatpad will regard circuit as is nothing is plugged in.
if the thermostat fails :
* failure mode 3 ( t/stat temperature control failure if it's chip doesn't default to open circuit) the heatpad acts like no t/stat in circuit and it's internal temperature limiting circuit will prevent it from overheating ( my heatpads have a simple in line rheostat on their powercables that I've preset to keep my temperatures under the aim + 1 degC )
* failure mode 4 ( t/stat open circuit (dies) ==> heatpad stops heating ), the heatpad will regard circuit as is no power supply.
In over 10 years, I've never had a one of my ebay switching thermostats fail electronically, only failure I've had was a mechanical failure ( dropped and broke the inbuilt power socket ).
This style of thermostat works fine with heatpads.
I don't need a CHE at night in any of my tanks in my climate , tropical coastal as it never gets colder than 18 degC in my house even on the coldest winter night. Coldest it's ever been here overnight in my living memory is 6 degC outside temperature , we've never had a frost..
If I were in a colder area , or one where frosts are common overnight I'd deploy a CHE in my tanks set up and controlled as shown below :