maybe i'm too late to chime in on this one :(
I've got the original Speer PeaPod, and the newer 30degree model.
The older model is now a home bed quilt, the newer model rules the world for speer type hammocks.....i use 2 systems, the HH light racer with various underquilts by JrB dependind on temp in spring/summer/fall and the speer with the pod in late fall/winter/early spring...I have never slept in the peapod without something between me and the top of the hammoc/peapod, that usually means a top quilt-I use Nunatak, either the Ghost,Alpinist, or Arc depending on temp....but i have slept in the peapod with just my clothes, specifically montbell parka and pants and this was cozy to 32-34F...so i was carrying these anyway, also carried the top quilt but forgot to unstuff it...of course site selection was good and i was using the mccat deluxe so little wind got my way.
Bottom line, if you are carrying a jacket of significance--like a WM Flight or the Montbell Thermawrap you may not need to carry a top quilt...
Sorry I was late.