I'm thinking about getting a Clarks North American Hammock (http://www.junglehammock.com/deluxefeatures.php)
. I want the camo version so it's going to run me $360. Am I going to need fleeces, undercoats, overcoats, quilts (and what exactly is a quilt?), pads, and all kinds of stuff just to be comfortable at 40 degrees? What if it's 10 degrees? I don't want to spend $1k on a system that I can't even have my GF sleep in with me. And what about fooling around or two people in a hammock? I', 6'4" 280lbs.