Nope, it is an underquilt because it insulates underneath you, regardless of how it attaches to a hammock. The top quilt is the a quilt you lay on top of your body inside the hammock, just as you would use a blanket or comforter in a bed.
To continue that analogy, a fitted sheet on your bed is the hammock. It provides almost no insulation, but with your 10,000 thread count it is comfortable. The mattress provides comfort from the hard ground, but since you probably have a bed frame, it also provides insulation from heat being lost to the cold under your bed. So, you don't need an underquilt in your bed because the mattress retains your body heat.
Of course, you don't sleep without a sheet or comforter in you bed when its cold. So, the top quilt is the equivalent here. My quilt from Adam, also known as Stormcrow at Hammockgear.com, is a rectangular quilt with drawstrings and snap buttons. So, I can lay it flat and use it at home or on the couch, or pull the drawstring and snap the buttons to make something that looks like the top half of a sleeping bag. You don't need the bottom of the sleeping bag because you have an underquilt.
Adam has some pictures on his website of a top quilt:
Stormcrow's Burrow
A blanket, down throw, or sleeping bag all work because what you need is insulation on top. Many of us have found the quilt is the best option of us. You're doing the right thing by asking many questions, because these things are expensive and you don't want to spend money on something when you really needed something else.
Also, the objective is to use the hammock comfortably, and an underquilt is only one method. Others, like Sgt. Rock, use just pads because they are extremely cheap, effective, durable, and light. An UQ is more luxurious and comfortable to me, but also far more expensive. You can eat with your fingers, use chopsticks, or use a fork--they all work to various degrees!
There are several manufacturers of UQ's and TQ's that are members here at HF. I hate to list them because I'll surely forget a few and that wouldn't be fair, but six immediately come to mind.
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