Originally Posted by SwampSloth
Clarks claim - Patented pockets for insulation (Four-season models): The Clark North American is the only hammock that removes any need for insulating pads in most weather. The insulating pockets provide a stable air mass underneath you to block cold air from reaching your back.
Think of it this way. The pockets are an underquilt without any insulation. They will provide similar warmth as an underquilt that does not have any. Probably gets you about 10* warmer than you could go without them.