Ding ding ding. I think this is the route I am going to take. I'll see how it works out. I'm going to run my bottom layer at 1/16 inch per ft longer than my top layer. After laying in my hammock and measuring it (bless my wife for doing that for me), it doesnt stretch hardly at all. So it goes to reason that this method would work for me IF I use a synthetic sleeping bag so the compression wont have as much affect on the insulation.
Thank you for posting this. You may have just solved my issue with this.