Underquilt with heat sheet
I have come up with an underqulit that works for me. I took DWR ripstop, sewed in a 2 person heatsheet, then attached a removal layer of insultex.
The insultex is on the top, then the heat sheet, then the DWR.
I use it with out the insultex during the summer, use one layer of insultex in fall, then if it is really cold I use two layer insultex.
I have never had condensation, but I also make sure to leave about 4" of air between my hammock and insultex.
I have folded fabric over and sewed in a loop all around the perimter, then have the underquilt hanging on 550 cord, it will slide around and allow me to adjust it as I need it to fit.