I just hung the other night in a Hammock Gear 0 degree UQ and I felt some cold spots! Part of it was the wind because I didn't have my tarp right. The other problem was air pockets between the UQ and the hammock; I've decided to fix that with shock cord, cord locks and mitten hooks on two "D" rings on my Hammock Gear Underquilts; they'll pull the UQ tight to to the bottom without pulling it too tight. You may want to consider the same. I too am thinking abut the UQ protector. That wind robs a lot of warmth!