i am glad to see the use of sleeping bag used as "pea-pod" mentioned here. it is almost never discussed it seems. i use this self same system (as do the rest of my family) on my winter outfit. an ENO doublenest, down bag zipped up around it, lighter synthetic bag zipped over that (moved dew point away from down and protects down from splash, etc.) i have sewn tabs on all four corners of the bags to which shock cord or laces can be tied to keep bag/s in position. this works wonderfully well. no need for all these pads, or expensive underquilts. if it is really cold i put my wool blanket in the hammock with me, and dress accordingly with socks, hats, etc. be sure to leave a space unzipped by your face to vent your breath (or moisture can build in there with you.) this set up is great for after the bug season, or all year if bugs don't bug you.
) i just use the light bag in summer. oh, and a tarp of your choice over you is a given. even in Canada one can get rain in winter...esp. the last few years.
the four tabs on the down bag i also use to perfectly snug it up against my HH in summer, for that warm as toast feeling against the back. no pads to shift, bunch or compromise your hammock comfort. wraps around the shoulders, too.
i did this because i cannot afford the price of the UQs that are out there, beautiful as they may be. also, i needed four of them, since my hubby, and two children also sleep in hammocks (we all hammock in the house as well...who would choose otherwise? lol)
and that would be my two cents.