Hi, I use a Moskito hammock and like it quite a bit. Very comfortable once you realize as SilvrSurf did that it has to be hung with a deep dip in the center. First time I hung mine, it was not correct, but after that it has been great. A ridge line would really make this easier but I have been able to find trees close enough in the backcountry. As far as insulation, you absolutely need it under you. You compress your sleeping bag when your are on it and essentially, the bottom insulation does nothing. I use a ridge rest in mine and have been comfortable down to 28 F.