my girlfriend's first night out in a hammock last night. she was in my switchback dbl using reflectix with taped on ccf pad extender for shoulders and hip and an old semi compressed open cell foam. she used my wiggy's -40 bag and her long merino wool base layer. wasn't that cold, 5F with wind chill to add, maybe -2F*. no tarps were on us(I was in my thunderbird with TQ and UQ.) beautiful night. hers was over kill but didn't want her cold, and it worked, she was up at 630 this AM too warm and sweaty. she liked it and is now thinking once she buys her hammock(she is thinking thunderbird as well for summer winter duality and ease of setup with cinch buckles) next time she gets to use the quilts so she can tell the difference.