I have not used it all that much yet. But I would think that as long as there in no air gap between the quilt, and the hammock you will be fine. The Clarks have velcro down most of each side. The JRB quilts I'm using have at least a velcro footbox if not the full velcro option. They can either be used as a TQ, or an UQ. Lots of options. As an UQ I can almost just velcro it on, and the suspention just tightens up the head, and foot end. With two of there quilts I can make a pea pod like set up with all the room of the NX. It was toasty warm on my quick test the other day. 33*F No TQ just sweat shirt, and pants
Carl
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