new incubator user here too.
hey there...i have the incubator 20* too...the first time i used it i wasn't cold but not toasty warm...and this was due to a few 'user' mistakes. the temps were only low 40's. i wore way too many clothes. i didn't have the quilt dialed in well.
The second outing i took my gear into the whites where the temps got down into the upper 30's. I spent the entire weekend toasty warm after having tightened up suspension...made sure there was no gaps between bottom of hammock and the quilt...don't fear tightening to this point. you wont compress the down. There was very little wind so that wasn't a problem. I shed down to the bare minimum, shorts, wool shirt, one pair of socks. This helped a great deal in retaining heat.
My third attempt was in my yard at 20 degrees for the low. I really wanted to test the rating and if needs be to bail if i had to. I had my brother lay in the hammock and dialed it in using the secondary suspension. I think the main suspension is ok but unless you plan on moving the quilt higher or lower on the hammock i find the secondary suspension works better. Once it was cinched in i climbed in around nine that night with just wind pants wool shirt balaclava socks and was really warm. Not sweaty warm but very comfortable. Teh only time i was cold was when i had to go to the bathroom. and after getting back in the hammock it only took a few minutes to warm up again.
When i woke up in the morning my UQP was coated in frost...so was the edges of my hammock and bug netting was pretty much stiff. But i remained toasty warm.
The thing with hammocking is alot of it is technical. If one area of your sleep system is off then it throws everything off balance. Toomuch clothes means heat loss. Wind factors in too. Quilt not dialed in, CBS for sure. It's all trial and error for us newbies to hanging. But so far its well worth it. Sleep better, feel better in the morning. You actually look forward to getting to sleep lol. Cant' say that about a tent.
Just keep plugging along...research the site for clothing too...i found that's really important. Too much means colder nights...odd i know but its true.