I have found a top quilt and under quilt to be just as warm as a sleeping bag in a hammock. That said, it does take time and experience to learn to keep the top quilt tucked in as you move around. Pretty soon you'll be doing it in your sleep(well, almost). The second key is to keep your head warm- I use a down hood with a down collar attached. The top quilt snaps around my neck and cinches down, creating a good seal which doesn't leak cold air.
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