Never have had to go to the ground here in Texas either. The one exception of sleeping on the ground was a planned beach camping trip and I knew ahead there'd be no trees.
Also, even in heavy multiple day rain storms, my down has not gotten wet.
My only concern is in this region I may go to a place that's new with limited or no trees so I like the flexibility of going to ground if necessary, but again, never had to do so.
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