Originally Posted by
DuctTape
Too many clothes does NOT make one colder. Restrictive clothing makes one colder.
It does not matter whether your insulation comes from more clothing or more down in a quilt, it provides more insulation. However, not using that insulation correctly can have negative effects as is the case with clothing which restricts blood flow. As is the case with a quilt with extra down pulling it away from the hammock bottom.
A snug quilt and loose clothing will be warmer than any combination of of less optimal conditions.