you dont need to spend allot for an underquilt. depending on where you live and your camping season preferences, you can run a Poncho Liner Underquilt on your hammock for apx 40 bucks. It takes so little effort to convert a Poncho Liner to an Under Quilt and an Under Quilt is SOOO much better than a pad, or a pad with wings on it or any of that stuff.
The statement was correct that experienced hammockers dont fiddle around with pads.
Get your self a Poncho Liner.