Living in Mississippi, I've never used an under quilt. Most of my hammock camping is in my Clark and in cold months I use the Z-liner. My interest now has got to do with a trip to Portland with my wife and daughter in July. I've bought a Speer and will buy another similar, single layer hammock before our trip. So, not only am I not familiar with UQs, I'm not familiar with hanging in 50-55 temps. We go straight from 30 to 70 overnight. Our spring and fall lasts 4-6 hours. (Ok, slight exaggeration)
The average lows in the area we will be hiking are 50-55 in July. Since I won't have a chance to hang in one of these hammocks in similar temps, can anyone help me with if I will need UQs? I thought about buying a few summer, full length down UQs and making a TQ out of fleece and ripstop. (I've already made one) I don't want to cook my girls at night and don't know how efficient under quilts are but I'm guessing that having a UQ is more important than a TQ if you had the choice of one. I may be wrong.
My wife is a hot sleeper and my daughter is average to cold. If it were me, I'd not be concerned but if this sucks for them, I'll never get them to go with me again. Ha!