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Keep in mind, there's no one size fits all answer here. It all depends on YOU and how warm or cold YOU sleep. You are absolutely correct, bottom insulationgoobie Today, 13:11
Definitely a natural fabric hammock, like a brazilian. This is what I have been using for a while:
It all depends on the weather. Whether you sleep warm and whether the temps only get into the thirties. Personally I sleep cold so I always have a 10TrailSlug Today, 12:44