Also look up the PLUQ (Poncho Liner Under Quilt) for summer months.
Honestly - after trying both methods, multiple pads, etc. Nothing really worked until I got a real UQ. I got them to work, slept in a 0* down bag with a CF Pad below 20*, but it was awful.
Try to save for the real thing. Keep an eye out in the For Sale section - seen some great deals the last few weeks.
Support: HammockGear - Zpacks - Jacks R Better - DreamHammock - Dutchware - AHE - Black Rock - Grand Trunk