I like the different options it gives me. The way the baffles are made I can shake most of the down to the top and fully zip it if I don't want to take the chance of exposing any body parts. I like that I can zip it up as far as I want or not. Or unzip it and use it like a quilt.
I think personal preference, experimentation, and how much moola you want to spend comes into play for a lot of this stuff. I, for one, don't like using a pad inside my hammock and went to an underquilt but for others it's a non-issue.
This is not a new statement, but for any newbies out there, there is no one way. Find what works for you and HYOH! That's what makes it so much fun!