I may be showing my ignorance, but is an underquilt that significant? I feel like if I have my pad under me that will insulate me as good as any. Sleeping in a hammock with my prolite 3 short, WM highlite bag, and a Marmot trails as a liner. To me, the main thing that'll rob me of wramth would be wind, and the fabric my hammock is made with has minimal breathability. The air flow between the tarp and hammock is enough to ensure that condensation isn't a factor, but I feel like I'm still missing something with this setup. It seems like an under quilt just adds weight. Please, someone tell me what I'm missing!!!