I am a warm sleeper and have been known to kick the covers off at 10 degrees, however my husband is not. Our system is: Hammock Gear 20 degree underquilt, JRB weather shield, 1 wallyworld blue pad, and a synthetic 0 degree sleeping bag. The underquilt is 3 season and we bring it cause "it cant hoit.." The weather shield lowers the temp rating. you need the full length blue pad, and the sleeping bag is synthetic cause we live in the east and it rains. Safety factor. You can never be too safe at those temps.
I will be taking this system to the 3d NJ winter hang. We have an iron chef challange I will be cooking in!!