I'm curious at what temperature is Top Insulator required/recommended?
I'm also wondering if insulation is required mostly for those that don't use sleeping bags or even if you use one?
Reason I ask is because I usually camp out in 40s and up and wasn't planning on using a top insulation at all. But I will be using a 5 or 20 degree sleeping bag with optional breathable emergency bivy in case.
I'm just curious as with tents there is no top quilt, but I do realize hammocks get more drafts etc.
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