I've been debating whether or not to invest in an underquilt. I'm living in Guam so I'm dealing with tropical temps year-round. My question is whether an underquilt is something that will be overkill out here? I'm going on a backpacking trip in about seven days and will be able to test it without one, but being that shipping is a little bit of a wait here, if I need one I would rather order it now so I can get it a bit quicker! I've read that many people use one year-round and adjust it as needed for temps, but was just hoping for some input. Thanks!