Originally Posted by turnerminator
I do however now use down underquilts almost excluslively, and wouldn't go back to foam mats. Underquilts are all that. So much more comfortable for me.
That's the thing! It wasn't the reason I got into hammocks, but comfort quickly became my priority with hammocks. Pads work, underquilts perform. You feel warm with an underquilt in a way you don't with pads and the hammock feels more natural since there is no rigidity from the pad.
Do you need an underquilt? Not as long as you've never used one. Once an underquilt is used, the vast majority start looking at underquilts instead of pads. Like the man said, "Underquilts are all that."