I live in Ohio and would like to try some winter hammocking, I don't have allot of spare money with 4 kids. I just bought my first hammock and discovered I need an under quilt they are very expensive and I can't sew, soooo I might just have to buy one already made. That said, I can only afford to buy one so my question is can I buy one that will work in most seasons and a way to beef it up for the cold weather by adding a layer inside or something like that? I've been checking out all the sites, if I were to buy one where would be the best deal? Thanks